# EDGAR Filing Document

**Accession Number:** 0002109907
**File Stem:** 0001213900-26-070652
**Filing Date:** 2026-6
**Character Count:** 2646880
**Document Hash:** d8cd95f655ca7f02dd4a32a10596a10b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-070652.hdr.sgml**: 20260622

**ACCESSION NUMBER**: 0001213900-26-070652

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

**PUBLIC DOCUMENT COUNT**: 60

**CONFORMED PERIOD OF REPORT**: 20260622

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

**FILED AS OF DATE**: 20260622

**DATE AS OF CHANGE**: 20260622

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-NQM8 LLC
- **CENTRAL INDEX KEY:** 0002109907

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08562
- **FILM NUMBER:** 261107592

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-NQM8 LLC
- **CENTRAL INDEX KEY:** 0002109907

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-NQM8 LLC
- **CENTRAL INDEX KEY:** 0002109907

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003

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>0002109907</u>

NEW RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM8

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

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

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

Philip Sivin, 212-798-6100

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

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

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

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

**SIGNATURES**

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

---

| | | | |
|:---|:---|:---|:---|
|  | NEW RESIDENTIAL FUNDING 2026-NQM8 LLC | NEW RESIDENTIAL FUNDING 2026-NQM8 LLC | NEW RESIDENTIAL FUNDING 2026-NQM8 LLC |
| Date: June 22, 2026 | By: | /s/ Nicola Santoro, Jr. | /s/ Nicola Santoro, Jr. |
|  |  | Name: | Nicola Santoro, Jr. |
|  |  | Title: | Chief Financial Officer |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report - Infinity Executive Summary](ea029545801_ex99-1.htm)

[Schedule 1 – Valuation Report](ea029545801_ex99-1sch1.htm)

[Schedule 2 – Rating Agency Grades Report](ea029545801_ex99-1sch2.htm)

[Schedule 3 – Data Compare](ea029545801_ex99-1sch3.htm)

[Schedule 4 – Loan Level Exception Report](ea029545801_ex99-1sch4.htm)

[Schedule 5 – Individual Exception Report](ea029545801_ex99-1sch5.htm)

[99.2 - Third Party Due Diligence Report - Opus Executive Summary](ea029545801_ex99-2.htm)

[Schedule 1 – Valuation Report](ea029545801_ex99-2sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea029545801_ex99-2sch2.htm)

[Schedule 3 – Business Purpose Supplemental Extract](ea029545801_ex99-2sch3.htm)

[Schedule 4 – Standard Findings Report](ea029545801_ex99-2sch4.htm)

[Schedule 5 – Data Compare](ea029545801_ex99-2sch5.htm)

[Schedule 6 – ATR QM Report](ea029545801_ex99-2sch6.htm)

[99.3 - Third Party Due Diligence Report – Clayton Executive Summary](ea029545801_ex99-3.htm)

[Schedule 1 – Valuations Summary](ea029545801_ex99-3sch1.htm)

[Schedule 2 – Non ATR QM Report](ea029545801_ex99-3sch2.htm)

[Schedule 3 – Conditions Detail](ea029545801_ex99-3sch3.htm)

[Schedule 4 – Rating Agency ATR QM Report](ea029545801_ex99-3sch4.htm)

[Schedule 5 – Loan Level Tape Compare](ea029545801_ex99-3sch5.htm)

[Schedule 6 – Loan Grades](ea029545801_ex99-3sch6.htm)

[99.4 - Third Party Due Diligence Report – AMC Executive Summary](ea029545801_ex99-4.htm)

[Schedule 1 – Valuation Summary](ea029545801_ex99-4sch1.htm)

[Schedule 2 – Business Purpose Report](ea029545801_ex99-4sch2.htm)

[Schedule 3 – Rating Agency Grades](ea029545801_ex99-4sch3.htm)

[Schedule 4 – Data Compare](ea029545801_ex99-4sch4.htm)

[Schedule 5 – Exception Grades](ea029545801_ex99-4sch5.htm)

[99.5 - Third Party Due Diligence Report - Canopy Executive Summary](ea029545801_ex99-5.htm)

[Schedule 1 – Valuation Report](ea029545801_ex99-5sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea029545801_ex99-5sch2.htm)

[Schedule 3 – Rating Agency Grades Detail](ea029545801_ex99-5sch3.htm)

[Schedule 4 – ATR QM Report](ea029545801_ex99-5sch4.htm)

[99.6 - Third Party Due Diligence Report – Consolidated Analytics Executive Summary](ea029545801_ex99-6.htm)

[Schedule 1 – Rating Agency Grades Report](ea029545801_ex99-6sch1.htm)

[Schedule 2 – Due Diligence Standard](ea029545801_ex99-6sch2.htm)

[Schedule 3 – Valuations Report](ea029545801_ex99-6sch3.htm)

[Schedule 4 – Data Compare](ea029545801_ex99-6sch4.htm)

[99.7 - Third Party Due Diligence Report – Clarifii Executive Summary](ea029545801_ex99-7.htm)

[Schedule 1 – Rating Agency Grades Summary](ea029545801_ex99-7sch1.htm)

[Schedule 2 – ATR QM Report](ea029545801_ex99-7sch2.htm)

[Schedule 3 – Valuation Report](ea029545801_ex99-7sch3.htm)

[Schedule 4 – Data Compare](ea029545801_ex99-7sch4.htm)

[Schedule 5 – Rating Agency Grades Detail](ea029545801_ex99-7sch5.htm)

[Schedule 6 – Business Purpose Supplemental Extract](ea029545801_ex99-7sch6.htm)

## Exhibit 99.1

**Exhibit 99.1**

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![](ex99-1_002.jpg)

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![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**NRMLT 2026-NQM8**

**June 18, 2026**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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![](ex99-1_002.jpg)

**TABLE OF CONTENTS**

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---

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

---

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![](ex99-1_002.jpg)

**INFINITY BIOGRAPHY**

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

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

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

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![](ex99-1_002.jpg)

**DESESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

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

The Review population is comprised of three hundred and thirty-seven (337) mortgage loans that were originally reviewed from November 2025 to May 2026.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Compliance Review" 177<sup>1</sup> Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Credit Review" 337
 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Property Review" 337
 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Data Integrity" 337
 Mortgage Loans

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

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

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

For three hundred and thirty-seven (337) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

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

---

<sup>1</sup> One hundred and thirty-two (132) exempt loans were not subject to a compliance review and did not receive a compliance grade.

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![](ex99-1_002.jpg)

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

Infinity conducted a credit review for three hundred and thirty-seven (337) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

There were 26 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

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

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

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

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

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

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![](ex99-1_002.jpg)

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

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

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

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

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

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

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![](ex99-1_002.jpg)

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for one hundred and nineteen (119) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

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

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for three hundred and thirty-seven (337) mortgage loans. For these three hundred and thirty-seven (337) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

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![](ex99-1_002.jpg)

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

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

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

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

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

Infinity completed a Compliance Review on one hundred and seventy-seven (177) mortgage loans. one hundred and sixty (160) exempt loans were not subject to a compliance review and did not receive a compliance grade. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

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ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**(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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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**(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**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY (337 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers three hundred and thirty-seven (337) mortgage loans. Within those mortgage loans, Infinity graded three hundred and fifteen (315) mortgage loans as "A" and twenty-two (22) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;177<sup>1</sup> | &nbsp;&nbsp;315 | &nbsp;&nbsp;337 | &nbsp;&nbsp;315 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;93.47% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;93.47% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6.53% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6.53% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;177 | &nbsp;&nbsp;315 | &nbsp;&nbsp;337 | &nbsp;&nbsp;315 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;93.47% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;93.47% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6.53% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6.53% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

<sup>1</sup> One hundred and sixty (160) business purpose exempt loans within the population were not subject to a compliance review and did not receive a compliance grade. The applicable population denominator for purposes of the compliance review was one hundred and seventy-seven (177) loans.

16 \| P a g e

 ****

![](ex99-1_002.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (337 MORTGAGE LOANS)**

Of the three hundred and thirty-seven (337) mortgage loans reviewed, 11 (3.26%) mortgage loans had tape discrepancies across three (3) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;337 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;337 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;Residual Income | &nbsp;&nbsp;9 | &nbsp;&nbsp;337 | &nbsp;&nbsp;2.67% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (337 MORTGAGE LOANS)**

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;337 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$175114326.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**337** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$175114326.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;337 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$175114326.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**337** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$175114326.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi- purpose/Unknown | &nbsp;&nbsp;106 | &nbsp;&nbsp;31.45% | &nbsp;&nbsp;$47264097.00 | &nbsp;&nbsp;26.99% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;30 | &nbsp;&nbsp;8.90% | &nbsp;&nbsp;$15850013.00 | &nbsp;&nbsp;9.05% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;144 | &nbsp;&nbsp;42.73% | &nbsp;&nbsp;$81927816.00 | &nbsp;&nbsp;46.79% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;57 | &nbsp;&nbsp;16.91% | &nbsp;&nbsp;$30072400.00 | &nbsp;&nbsp;17.17% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**337** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$175114326.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;28 | &nbsp;&nbsp;8.31% | &nbsp;&nbsp;$15381175.00 | &nbsp;&nbsp;8.78% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;309 | &nbsp;&nbsp;91.69% | &nbsp;&nbsp;$159733151.00 | &nbsp;&nbsp;91.22% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**337** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$175114326.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

 ****

![](ex99-1_002.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;163 | &nbsp;&nbsp;48.37% | &nbsp;&nbsp;$109284533.00 | &nbsp;&nbsp;62.41% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;13 | &nbsp;&nbsp;3.86% | &nbsp;&nbsp;$6775862.00 | &nbsp;&nbsp;3.87% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;161 | &nbsp;&nbsp;47.77% | &nbsp;&nbsp;$59053931.00 | &nbsp;&nbsp;33.72% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**337** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$175114326.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;Correspondent SmartEdge Product Profile 07-11-24.pdf |
| &nbsp;&nbsp;Newrez SmartEdge Product Summary 7-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartSelf Bank Statement and 1099 Product Summary 4-24-25.pdf |
| &nbsp;&nbsp;RTL DTC JV WHL SmartVest Product Summary (9.25.2025 v25.12).docx |
| &nbsp;&nbsp;RTL JV DTC WHL SmartEdge Product Summary (9.25.2025 v25.8).docx |
| &nbsp;&nbsp;SmartEdge Product Profile Correspondent 1-29-26.pdf |
| &nbsp;&nbsp;SmartEdge Product Profile Correspondent 8-28-25.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary 1-22-26.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary 2-26-26.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary 4-23-26.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary Correspondent 2-26-26.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary 1-22-26.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary 2-26-26.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary 4-23-26.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary 5-30-25.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary Newrez 9-25-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary - Correspondent 8-28-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary Correspondent 1-29-26.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary Correspondent 2-26-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 1-22-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 1-2-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 1-29-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 2-26-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 4-23-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary Correspondent 2-26-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary Correspondent 8-28-25.pdf |

---

18 \| P a g e

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| 12 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.1 |
| 28 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 31 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 33 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 34 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | 3.448% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 17.310% | XX | XX | No | Not Applicable | 2.1 |
| 35 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 36 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.5 |
| 37 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 38 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 40 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -12.258% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | -5.806% | XX | XX | No | Not Applicable | 1.1 |
| 41 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 42 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 43 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 46 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 4.5 |
| 47 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 48 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.9 |
| 49 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.6 |
| 50 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.8 |
| 52 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 53 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 53 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 56 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 58 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1 |
| 59 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -4.403% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 60 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 64 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.2 |
| 67 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 72 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 74 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 78 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -5.128% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.6 |
| 80 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 81 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 4.5 |
| 82 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.1 |
| 83 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 85 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 5 |
| 86 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 5 |
| 88 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -6.667% | XX | XX | No | 5 | 5 |
| 90 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.3 |
| 91 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 4.1 |
| 92 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 96 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 98 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.8 |
| 99 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.3 |
| 101 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -6.667% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.1 |
| 103 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.4 |
| 108 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 109 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.5 |
| 110 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 111 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 112 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.6 |
| 115 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 116 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -2.397% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 117 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 4.2 |
| 118 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 119 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.5 |
| 120 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.4 |
| 121 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 2.812% | XX | XX | Yes | 2 | 3.4 |
| 122 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 123 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 125 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 131 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.2 |
| 132 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 133 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX | Yes | 2.5 | 1 |
| 134 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 137 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 139 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX | No | 3.5 | 2 |
| 142 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 144 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 146 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.8 |
| 147 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | XX | -0.563% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 150 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | XX | -5.172% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.4 |
| 152 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 154 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.4 |
| 155 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.5 |
| 158 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 5 |
| 159 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.6 |
| 164 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 166 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.6 |
| 200 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 201 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 202 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 203 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 204 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 204 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.100% | XX | XX | No | 5 | 2.4 |
| 209 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.3 |
| 210 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 212 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 213 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -7.738% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2 |
| 215 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 216 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.9 |
| 218 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 222 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.5 |
| 223 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 224 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 225 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.2 |
| 227 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | -0.680% | XX | XX | No | 4.5 | 1.2 |
| 229 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.3 |
| 232 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 234 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 235 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.3 |
| 235 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.1 |
| 236 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 237 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.6 |
| 238 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.3 |
| 239 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 240 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 8.475% | XX | XX | Yes | 2.5 | 3.3 |
| 242 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.5 |
| 243 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 244 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 246 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.6 |
| 247 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 251 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 252 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 253 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.1 |
| 254 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 255 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | -0.752% | XX | XX | No | 3 | 1 |
| 258 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1.7 |
| 260 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 3.9 |
| 261 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 262 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -0.659% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 264 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.9 |
| 267 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 268 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 269 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 270 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 3 |
| 271 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3.3 |
| 272 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.5 |
| 273 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -9.375% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1 |
| 274 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 275 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.4 |
| 275 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.2 |
| 275 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 277 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 279 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 280 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 281 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 282 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 284 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.3 |
| 285 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 286 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 287 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.5 |
| 289 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 293 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 299 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 300 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.8 |
| 301 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.5 |
| 302 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 306 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 309 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 310 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 314 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 315 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 317 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 321 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 322 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.2 |
| 323 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.5 | 3 |
| 325 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -7.143% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.2 |
| 326 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 328 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 329 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.2 |
| 331 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 332 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 333 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -3.256% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | -3.256% | XX | XX | Yes | 2 | 2.6 |
| 335 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 1.664% | XX | XX | No | 5 | 1 |
| 337 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.5 |
| 337 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 340 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2 |
| 342 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 343 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5 | 3 |
| 345 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 347 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.8 |
| 348 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 350 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 351 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 354 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 356 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 4.4 |
| 357 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 3.4 |
| 360 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 362 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 364 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | -3.077% | XX | XX | Yes | 1.5 | 1.2 |
| 366 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.9 |
| 367 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 3.7 |
| 369 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 373 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 374 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 375 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.7 |
| 377 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | XX | -2.439% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2 |
| 379 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | 0.554% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.554% | XX | XX | No | Unavailable | 1 |
| 381 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.6 |
| 382 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 383 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 384 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 385 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 387 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.4 |
| 388 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.3 |
| 390 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 394 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.4 |
| 396 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 400 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 28.070% | XX | XX | No | Unavailable | 1.4 |
| 403 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.3 |
| 404 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 406 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.6 |
| 406 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | Not Applicable |
| 407 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 407 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 2.6 |
| 410 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -2.083% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 5 |
| 411 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 412 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1.4 |
| 413 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 415 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.3 |
| 417 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 418 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 419 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.4 |
| 421 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.1 |
| 422 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.6 |
| 423 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 5.067% | XX | XX | No | 4 | Not Applicable |
| 425 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 426 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.7 |
| 427 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.5 |
| 429 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 430 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 431 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 433 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 434 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2 |
| 435 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.3 |
| 436 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.4 |
| 437 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.1 |
| 438 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.533% | XX | XX | Yes | 1 | 2.9 |
| 439 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.7 |
| 441 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.3 |
| 442 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 443 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 2.4 |
| 444 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 446 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.6 |
| 447 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4.8 |
| 449 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 450 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 455 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 458 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.6 |
| 461 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 463 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 3.125% | XX | XX | No | Not Applicable | Not Applicable |
| 465 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.4 |
| 469 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 474 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 3.9 |
| 475 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 477 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.1 |
| 478 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 480 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.4 |
| 481 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 482 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 484 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 486 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.6 |
| 487 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.3 |
| 488 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.3 |
| 489 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.1 |
| 492 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.1 |
| 493 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 494 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.9 |
| 496 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 498 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 5 |
| 499 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 4.8 |
| 504 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.5 |
| 506 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.3 |
| 507 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.8 |
| 509 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 512 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 513 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 515 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 519 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.7 |
| 521 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.3 |
| 522 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -5.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.1 |
| 526 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.1 |
| 527 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -4.739% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.3 |
| 532 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 533 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.8 |
| 537 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 538 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 540 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.4 |
| 541 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.1 |
| 542 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.6 |
| 544 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -6.844% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.3 |
| 547 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -7.143% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 548 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.7 |
| 551 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 552 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX | No | Unavailable | Unavailable |
| 553 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 5 |
| 555 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 556 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.7 |
| 560 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.8 |
| 562 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.7 |
| 567 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 568 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 570 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 5 |
| 571 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1 |
| 575 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 577 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.3 |
| 578 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -3.268% | XX | XX | No | Not Applicable | 1 |
| 583 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 588 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.6 |
| 590 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.1 |
| 592 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 3.3 |
| 593 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.9 |
| 595 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.8 |
| 597 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.7 |
| 598 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 601 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 602 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 603 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.5 |
| 605 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal | XX | XX | 6.942% | XX | 97 | XX | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.7 |
| 608 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 609 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.7 |
| 611 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.3 |
| 612 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 3.4 |
| 613 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 617 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.9 |
| 621 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.9 |
| 622 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 624 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 5 |
| 625 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 630 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.9 |
| 631 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.5 |
| 632 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.6 |
| 636 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | Unavailable |
| 637 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 638 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 642 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.1 |
| 643 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 645 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 647 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.5 |
| 648 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.2 |
| 649 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 656 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 657 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.5 |
| 660 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.5 |
| 666 | XX | XX |  | XX | XX | Not Applicable | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 3 |
| 668 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 669 | XX | XX |  | XX | XX | XX | XX | XX | XX | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 3.1 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| 666 | XX | XX | XX | Georgia | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 507 | XX | XX | XX | South Dakota | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 588 | XX | XX | XX | Florida | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 592 | XX | XX | XX | Arizona | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 373 | XX | XX | XX | Texas | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 204 | XX | XX | XX | California | XX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 637 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 429 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 33 | XX | XX | XX | Georgia | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 509 | XX | XX | XX | Arkansas | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 234 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 668 | XX | XX | XX | Michigan | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 404 | XX | XX | XX | Missouri | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 103 | XX | XX | XX | New Jersey | XX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 643 | XX | XX | XX | New Jersey | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 92 | XX | XX | XX | Texas | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 624 | XX | XX | XX | California | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 379 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 80 | XX | XX | XX | Connecticut | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 621 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 282 | XX | XX | XX | Colorado | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 431 | XX | XX | XX | Arizona | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 477 | XX | XX | XX | Georgia | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 407 | XX | XX | XX | Massachusetts | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 111 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 264 | XX | XX | XX | Connecticut | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 425 | XX | XX | XX | Florida | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 74 | XX | XX | XX | South Carolina | XX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 224 | XX | XX | XX | Maryland | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 622 | XX | XX | XX | Indiana | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 328 | XX | XX | XX | California | XX | Primary | Refinance B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 254 | XX | XX | XX | Maryland | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 251 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 551 | XX | XX | XX | Arizona | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 381 | XX | XX | XX | Texas | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 613 | XX | XX | XX | Tennessee | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 556 | XX | XX | XX | Washington | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 512 | XX | XX | XX | California | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 631 | XX | XX | XX | Pennsylvania | XX | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 12 | XX | XX | XX | Ohio | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 522 | XX | XX | XX | Arizona | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 164 | XX | XX | XX | Georgia | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 267 | XX | XX | XX | California | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 410 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 121 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 553 | XX | XX | XX | Georgia | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 447 | XX | XX | XX | New Jersey | XX | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 40 | XX | XX | XX | South Carolina | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 306 | XX | XX | XX | Hawaii | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 481 | XX | XX | XX | Washington | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 237 | XX | XX | XX | New York | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 351 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 367 | XX | XX | XX | Arizona | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 150 | XX | XX | XX | Florida | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 645 | XX | XX | XX | New York | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 575 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 419 | XX | XX | XX | Utah | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 314 | XX | XX | XX | Massachusetts | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 133 | XX | XX | XX | Virginia | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 142 | XX | XX | XX | Illinois | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 36 | XX | XX | XX | Oklahoma | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 337 | XX | XX | XX | Washington | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 203 | XX | XX | XX | Massachusetts | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 521 | XX | XX | XX | Tennessee | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 286 | XX | XX | XX | South Dakota | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 154 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 287 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 461 | XX | XX | XX | Virginia | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 279 | XX | XX | XX | Florida | XX | Primary | Purchase B | A D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A |
| 375 | XX | XX | XX | Florida | XX | Investor | Purchase B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable |
| 660 | XX | XX | XX | Arizona | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 289 | XX | XX | XX | Utah | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 90 | XX | XX | XX | Utah | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 101 | XX | XX | XX | North Carolina | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 209 | XX | XX | XX | New York | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 99 | XX | XX | XX | Mississippi | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 636 | XX | XX | XX | Georgia | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 299 | XX | XX | XX | California | XX | Primary | Cash Out A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 544 | XX | XX | XX | North Carolina | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 332 | XX | XX | XX | Mississippi | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 611 | XX | XX | XX | California | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 480 | XX | XX | XX | Colorado | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 37 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 382 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 56 | XX | XX | XX | New York | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 482 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 91 | XX | XX | XX | Missouri | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96 | XX | XX | XX | Maryland | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 321 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 488 | XX | XX | XX | Colorado | XX | Primary | Cash Out B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 474 | XX | XX | XX | Maryland | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 437 | XX | XX | XX | Arkansas | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 300 | XX | XX | XX | California | XX | Primary | Cash Out B | A D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A |
| 625 | XX | XX | XX | New Jersey | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 595 | XX | XX | XX | California | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 123 | XX | XX | XX | Michigan | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 527 | XX | XX | XX | Georgia | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 152 | XX | XX | XX | Oklahoma | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 38 | XX | XX | XX | Virginia | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 374 | XX | XX | XX | Maryland | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 642 | XX | XX | XX | Nebraska | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 469 | XX | XX | XX | New Jersey | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 446 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 216 | XX | XX | XX | Florida | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 146 | XX | XX | XX | North Carolina | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 406 | XX | XX | XX | Oregon | XX | Investor | Cash Out B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D |
| 215 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 272 | XX | XX | XX | Texas | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 326 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 118 | XX | XX | XX | Massachusetts | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 301 | XX | XX | XX | Texas | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 110 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 434 | XX | XX | XX | Florida | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 433 | XX | XX | XX | South Carolina | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 98 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 335 | XX | XX | XX | Georgia | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 41 | XX | XX | XX | Washington D.C. | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 555 | XX | XX | XX | New York | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 499 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 225 | XX | XX | XX | Florida | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 261 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 329 | XX | XX | XX | Tennessee | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 406 | XX | XX | XX | Maryland | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 239 | XX | XX | XX | Texas | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 449 | XX | XX | XX | New York | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 605 | XX | XX | XX | Missouri | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 227 | XX | XX | XX | Arizona | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 158 | XX | XX | XX | Wisconsin | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 48 | XX | XX | XX | Texas | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 492 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 340 | XX | XX | XX | Georgia | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 243 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 331 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 202 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 560 | XX | XX | XX | North Carolina | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 567 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 244 | XX | XX | XX | Florida | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 593 | XX | XX | XX | Massachusetts | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 201 | XX | XX | XX | Texas | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 475 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 537 | XX | XX | XX | Washington | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 577 | XX | XX | XX | New York | XX | Investor | Cash Out B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable |
| 285 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 506 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 427 | XX | XX | XX | North Carolina | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 134 | XX | XX | XX | New Jersey | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 78 | XX | XX | XX | New Jersey | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 348 | XX | XX | XX | Washington | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 229 | XX | XX | XX | Maryland | XX | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 548 | XX | XX | XX | Oregon | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 484 | XX | XX | XX | Texas | XX | Investor | Cash Out A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 617 | XX | XX | XX | Georgia | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 116 | XX | XX | XX | Massachusetts | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 418 | XX | XX | XX | North Carolina | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 67 | XX | XX | XX | Pennsylvania | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 366 | XX | XX | XX | Washington | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 463 | XX | XX | XX | New Jersey | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 53 | XX | XX | XX | Utah | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 337 | XX | XX | XX | Florida | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 498 | XX | XX | XX | Arizona | XX | Primary | Refinance A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 513 | XX | XX | XX | Wisconsin | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 232 | XX | XX | XX | Tennessee | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 570 | XX | XX | XX | New York | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 322 | XX | XX | XX | Pennsylvania | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 252 | XX | XX | XX | Maryland | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 421 | XX | XX | XX | Michigan | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 269 | XX | XX | XX | Arizona | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 362 | XX | XX | XX | New York | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 275 | XX | XX | XX | Michigan | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 422 | XX | XX | XX | California | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 360 | XX | XX | XX | Florida | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 552 | XX | XX | XX | California | XX | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 31 | XX | XX | XX | Massachusetts | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 42 | XX | XX | XX | California | XX | Primary | Cash Out B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 415 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 137 | XX | XX | XX | Oklahoma | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 50 | XX | XX | XX | Idaho | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 120 | XX | XX | XX | South Carolina | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 315 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 396 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 122 | XX | XX | XX | Georgia | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 271 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 347 | XX | XX | XX | Maryland | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 280 | XX | XX | XX | Florida | XX | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 493 | XX | XX | XX | Colorado | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 323 | XX | XX | XX | South Carolina | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 255 | XX | XX | XX | Washington | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 450 | XX | XX | XX | New York | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 64 | XX | XX | XX | North Carolina | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 131 | XX | XX | XX | Kansas | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 258 | XX | XX | XX | Texas | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 270 | XX | XX | XX | New York | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 496 | XX | XX | XX | Minnesota | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 385 | XX | XX | XX | Florida | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 59 | XX | XX | XX | California | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 630 | XX | XX | XX | Ohio | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 609 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 58 | XX | XX | XX | Delaware | XX | Secondary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 441 | XX | XX | XX | Florida | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 369 | XX | XX | XX | Virginia | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 115 | XX | XX | XX | Massachusetts | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 52 | XX | XX | XX | Massachusetts | XX | Investor | Cash Out A | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable |
| 377 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 648 | XX | XX | XX | California | XX | Primary | Cash Out A | A C | A | A C | A | A C | A | A C | A | A C | A | A |
| 238 | XX | XX | XX | Maryland | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 49 | XX | XX | XX | California | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 394 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 273 | XX | XX | XX | Pennsylvania | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 494 | XX | XX | XX | New Jersey | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 612 | XX | XX | XX | Idaho | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 268 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 262 | XX | XX | XX | California | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 571 | XX | XX | XX | Florida | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 465 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 88 | XX | XX | XX | Missouri | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 166 | XX | XX | XX | Louisiana | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 438 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 583 | XX | XX | XX | New Mexico | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 35 | XX | XX | XX | Maryland | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 342 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 277 | XX | XX | XX | Nevada | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 302 | XX | XX | XX | New York | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 309 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 159 | XX | XX | XX | Louisiana | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 532 | XX | XX | XX | Washington | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 541 | XX | XX | XX | Minnesota | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 333 | XX | XX | XX | New Jersey | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 519 | XX | XX | XX | Virginia | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 46 | XX | XX | XX | South Carolina | XX | Secondary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 590 | XX | XX | XX | California | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 310 | XX | XX | XX | Oregon | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 147 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34 | XX | XX | XX | North Carolina | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 411 | XX | XX | XX | New Jersey | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 218 | XX | XX | XX | New York | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 260 | XX | XX | XX | Washington | XX | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 354 | XX | XX | XX | California | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 81 | XX | XX | XX | Virginia | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 439 | XX | XX | XX | Florida | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 109 | XX | XX | XX | Texas | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 504 | XX | XX | XX | Florida | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 669 | XX | XX | XX | Georgia | XX | Primary | Purchase B | A C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| 540 | XX | XX | XX | Washington | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 478 | XX | XX | XX | New York | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 562 | XX | XX | XX | Washington | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 139 | XX | XX | XX | Illinois | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 638 | XX | XX | XX | California | XX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 390 | XX | XX | XX | Florida | XX | Primary | Cash Out A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 125 | XX | XX | XX | Michigan | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 212 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 317 | XX | XX | XX | Texas | XX | Primary | Purchase B | A C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| 458 | XX | XX | XX | Colorado | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 657 | XX | XX | XX | Oklahoma | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 597 | XX | XX | XX | Georgia | XX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 112 | XX | XX | XX | Michigan | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 526 | XX | XX | XX | New Jersey | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 247 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 647 | XX | XX | XX | California | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 82 | XX | XX | XX | Michigan | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 281 | XX | XX | XX | Oklahoma | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 383 | XX | XX | XX | New Jersey | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 455 | XX | XX | XX | Michigan | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 236 | XX | XX | XX | Illinois | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 435 | XX | XX | XX | Virginia | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 649 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 387 | XX | XX | XX | Florida | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 436 | XX | XX | XX | Texas | XX | Primary | Purchase B | A D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A |
| 108 | XX | XX | XX | California | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 210 | XX | XX | XX | Hawaii | XX | Primary | Cash Out B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 275 | XX | XX | XX | Pennsylvania | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 83 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 430 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 345 | XX | XX | XX | Colorado | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 204 | XX | XX | XX | California | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 213 | XX | XX | XX | Virginia | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 601 | XX | XX | XX | Connecticut | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 85 | XX | XX | XX | Missouri | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 119 | XX | XX | XX | Massachusetts | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 117 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 412 | XX | XX | XX | Maryland | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 53 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 489 | XX | XX | XX | California | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 542 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 533 | XX | XX | XX | Florida | XX | Secondary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 356 | XX | XX | XX | Washington | XX | Secondary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 364 | XX | XX | XX | New York | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 144 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 240 | XX | XX | XX | California | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 538 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 274 | XX | XX | XX | Utah | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 350 | XX | XX | XX | Hawaii | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 603 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 86 | XX | XX | XX | South Dakota | XX | Primary | Refinance A | A C | A | A C | A | A C | A | A C | A | A C | A | A |
| 442 | XX | XX | XX | Florida | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 547 | XX | XX | XX | Georgia | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 400 | XX | XX | XX | Texas | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 568 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 235 | XX | XX | XX | California | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 235 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 423 | XX | XX | XX | California | XX | Primary | Refinance B | A C B | D | A C B | D | A C B | D | A C B | D | A C B | D | A |
| 357 | XX | XX | XX | New York | XX | Primary | Cash Out A | A C | A | A C | A | A C | A | A C | A | A C | A | A |
| 246 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 275 | XX | XX | XX | Georgia | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 293 | XX | XX | XX | Tennessee | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 515 | XX | XX | XX | Connecticut | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 578 | XX | XX | XX | California | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 132 | XX | XX | XX | South Carolina | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 407 | XX | XX | XX | Michigan | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 444 | XX | XX | XX | Pennsylvania | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 223 | XX | XX | XX | Oregon | XX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 325 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 632 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 200 | XX | XX | XX | Florida | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 284 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 608 | XX | XX | XX | North Carolina | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 417 | XX | XX | XX | Colorado | XX | Primary | Cash Out A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 426 | XX | XX | XX | Ohio | XX | Primary | Refinance B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 242 | XX | XX | XX | California | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 60 | XX | XX | XX | Virginia | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 72 | XX | XX | XX | Hawaii | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 384 | XX | XX | XX | New York | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 486 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 443 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 253 | XX | XX | XX | Texas | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 413 | XX | XX | XX | New Jersey | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 403 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 155 | XX | XX | XX | South Carolina | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 656 | XX | XX | XX | Colorado | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 602 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 487 | XX | XX | XX | Pennsylvania | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 598 | XX | XX | XX | Hawaii | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 47 | XX | XX | XX | North Carolina | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 43 | XX | XX | XX | Massachusetts | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 28 | XX | XX | XX | South Dakota | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 222 | XX | XX | XX | New York | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 343 | XX | XX | XX | Pennsylvania | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 388 | XX | XX | XX | Illinois | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

**Data Compare**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| 28 | XX | XX |  | Residual Income | $3601.48 | $4872.21 | $-1270.73 | -26.08118% | Total verified monthly income equals $5,579.35, monthly PITIA equals $1,588.97 and all other debts equal $388.90. Residual income is $3,601.48. | Initial |
| 40 | XX | XX |  | Original Appraised Value | XX | XX | XX | 6.16438% | The Appraisal dated 02/XX/2026 reflects Original Appraised Value as $XXX | Initial |
| 81 | XX | XX |  | Original CLTV Ratio Percent | 48.633% | 56.905% | -8.272% | -8.27200% | Collateral Value used for Underwriting: $2,100,000.00. Amount of Secondary Lien(s): $XX. Loan Amount: $XXX, CLTV = 48.633%. | Initial |
| 90 | XX | XX |  | Residual Income | $-7814.88 | $0.00 | $-7814.88 |  | Total verified monthly income equals $0.00, monthly PITIA equals $7,140.69 and all other debts equal $674.19. Residual income is $7,814.88. | Initial |
| 235 | XX | XX |  | Residual Income | $13792.88 | $12503.82 | $1289.06 | 10.30932% | Total verified monthly income equals $24,733.55, monthly IOTIA equals $9,918.63 and all other debts equal $1,022.04. Residual income is $13,792.88. | Initial |
| 269 | XX | XX |  | Residual Income | $8194.59 | $7403.69 | $790.90 | 10.68251% | Total verified monthly income equals $11,452.40, monthly IOTIA equals $3,120.81 and all other debts equal $137.00. Residual income is $8,194.59. | Initial |
| 328 | XX | XX |  | Residual Income | $35996.37 | $38302.65 | $-2306.28 | -6.02120% | Total verified monthly income equals $40,515.65, monthly PITIA equals $3,899.28 and all other debts equal $620.00. Residual income is $35,996.37. | Initial |
| 337 | XX | XX |  | Residual Income | $48892.72 | $44227.91 | $4664.81 | 10.54720% | Total verified monthly income equals $58,973.84, monthly PITIA equals $5,637.93 and all other debts equal $4,443.19. Residual income is $48,892.72. | Initial |
| 489 | XX | XX |  | Residual Income | $10376.94 | $9371.79 | $1005.15 | 10.72527% | Total verified monthly income equals $18,333.48, monthly IOTIA equals $3,363.54 and all other debts equal $4,593.00. Residual income is $10,376.94. | Initial |
| 552 | XX | XX |  | Residual Income | $48356.58 | $42461.54 | $5895.04 | 13.88324% | Total verified monthly income equals $82,966.68, monthly IOTIA equals $18,933.51 and all other debts equal $15,676.59. Residual income is $48,356.58. | Initial |
| 590 | XX | XX |  | Residual Income | $9318.66 | $8249.20 | $1069.46 | 12.96440% | Total verified monthly income equals $14,698.82, monthly IOTIA equals $4,495.16 and all other debts equal $885.00. Residual income is $9,318.66. | Initial |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

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| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **b** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| 12 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: According to the guidelines, a minimum of two (2) months of bank statements is required for the accounts listed below. However, only one month of statements has been provided in the loan package. "XX" and "XX."<br>03/20/2026: Not Resolved. The statement that is needed is for XX and #XX.<br> 03/31/2026: Countered. The only assets listed on the 1003 are for XX and XX so that would be the assets we need to verify.<br> 04//22/2026: Countered. The final 1003 indicates the assets being used are from XX and XX. The only documentation provided for those accounts were a blend report from 09/29/2025. 2 months bank statements are required per the guidelines. One additional current bank statement is needed for these accounts listed on the final 1003.<br> 4/23/2025 Resolved. Bank statements provided show a time stamp of when they were pulled which was prior to loan closing. Two months was reviewed and adhered to guidelines. |  |  | Single Family | XX | 70.000% | 70.000% | Investor | Refinance | 742 |  |  | XX |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 02/25/2026 |
| 28 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: Provided Collateral Desktop Analysis (CDA) reflects an incorrect loan number (#XX) instead of the subject property loan number (#XX). Provided a copy of updated Collateral Desktop Analysis (CDA) to reflect the correct loan number.<br> 04/18/2026: Resolved. The clients loan number is acceptable.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide supporting documentation or a credit supplement for the newly reported debt account, XX.<br> 04/22/2026: Resolved. Received a copy of the Note, Disclosure and Security Agreement. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 760 |  | XX | 3.58 | $5579.35 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.450% | Yes | Alternative | QC Complete | 04/14/2026 |
| 31 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: Provided Collateral Desktop Analysis (CDA) reflects an incorrect loan number (#XX) instead of the subject property loan number (#XX). Provided a copy of updated Collateral Desktop Analysis (CDA) to reflect the correct loan number.<br> 04/16/2026: Resolved. The clients loan number is acceptable.<br>\*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: The total verified assets of $13,832.07 are insufficient to meet the six-month reserve requirement. After subtracting the cash-to-close amount of $47,963.81, the remaining assets total $0.00. This falls $44,684.94 short of the required cash to close and reserves of $58,517.01.<br>05/11/2026: Countered. Only received a 1003. Need proof of additional assets totaling $58,517.01.<br>5/13/2026 Resolved. Received settlement statement from a simultaneous closing on another property owned with $XX cash out to borrower which covered cash to close and reserves. |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 762 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 04/13/2026 |
| 33 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide the required third party employment verification CPA letter that documents date of business inception and borrowers ownership percentage. In addition, please provide verification of the preparer's CPA license. (business "XX")<br>03/16/2026: Not resolved. A business search is not one of the documents allowed for third party verification. All other self-employed borrowers:<br> Verify from CPA or licensed tax preparer (with PTIN), or<br> Business Formation Documents (Articles of Incorporation, Bylaws, Charter, Articles of Association) filed with the applicable state and one of the following to verify the borrower's ownership percentage: Operating Agreement/Partnership Agreement; or<br> · IRS Employment Identification Number (EIN) letter documenting the borrower's percentage of ownership in the business; or<br> · Stock Certificate or other acceptable corporate documentation verifying the number of shared owned by the borrower and documentation confirming the total number of shared issued and outstanding (Corporation).<br> 05/13/2026: Resolved. Received 2024 K-1 showing 100% ownership |  |  | PUD | XX | 74.993% | 74.993% | Investor | Purchase | 757 |  | XX | 2.83 | $21009.79 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.763% | No | Alternative | QC Complete | 03/10/2026 |
| 34 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide copies of missing bank statements for XX. For account ending in #XX, 'August 2025, February 2025, October 2024' and account #XX 'August 2025, July 2025, May 2025, November 2024, August 2024, May 2024'.<br>04/22/2026: Resolved. Received bank statements. |  |  | PUD | XX | 15.517% | 15.517% | Primary | Cash Out | 796 | 0.16 | XX | 32.75 | $23851.07 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $439533.86 | 41.043% |  | Alternative | QC Complete | 04/14/2026 |
| 35 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 66.021% | 66.021% | Primary | Purchase | 795 |  | XX | 2.66 | $4636.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.749% | No | Alternative | QC Complete | 05/19/2026 |
| 36 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of updated insurance with mortgage clause ISAOA/ATIMA<br>05/07/2026: Resolved. policy already has mortgagee clause ISAOA/ATIMA. |  |  | Single Family | XX | 50.000% | 50.000% | Investor | Cash Out | 750 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $112974.15 |  |  | Alternative | QC Complete | 05/05/2026 |
| 37 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | XX | 70.000% | 70.000% | Investor | Purchase | 769 |  | XX | 11.92 | $121090.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 10.113% | No | Alternative | QC Complete | 04/14/2026 |
| 38 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 70.000% | 70.000% | Primary | Cash Out | 675 | 5.08 | XX | 11.83 | $7398.53 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $99140.14 | 49.918% |  | Alternative | QC Complete | 05/05/2026 |
| 40 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Provided master policy is expired on 03/04/2026. provide a copy of updated master policy<br>04/20/2026: Countered: The MASTER insurance policy provided on page 892 with XX policy #XX expired on 03/04/2025. A copy of the unexpired policy is needed.<br>04/21/2026: Resolved. When units located within a PUD are covered by individual property insurance policies maintained by their respective owner(s), the lender or servicer is not required to verify master property insurance coverage on PUD common elements. |  |  | PUD | XX | 74.075% | 74.075% | Investor | Cash Out | 727 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $45857.30 |  |  | Alternative | QC Complete | 05/11/2026 |
| 41 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide business bank statement (XX for the month of April 2025 & October 2025 as they are missing.<br> 05/22/2026: Resolved. Received bank statements.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide the Condominium Seller Disclosure for the District of Columbia evidencing the seller's approval to pay the special assessment for the new roof in the amount of $271.80, with 40 payments remaining.<br>5/22/2026: Incorrect condition. Page 2 of the condominium seller Disclosure states that the seller agrees to pay, at the time of settlement, any special assessments unless otherwise agreed herein. |  |  | Low Rise Condo (1-4 Stories) | XX | 73.244% | 73.244% | Primary | Purchase | 798 |  | XX | 1.25 | $9480.98 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.296% | Yes | Alternative | QC Complete | 05/19/2026 |
| 42 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of updated Title Supplement report with loan amount $XX.<br> 04/23/2026: Resolved. Received updated title. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: XX Mtg #XX reporting 4x120 in 2024 however loan was paid off in July 2022. See release of mortgage. Customer has previously disputed but creditor states its resolved. File has been submitted for non-delegated underwriting.<br>Exception approval present. | 6.187 months reserves exceed the minimum guideline of 3 months.<br>DTI of 30.45% is less than the maximum guideline requirement of 50%.<br>716 exceeds the minimum guideline requirement of 680<br>| Single Family | XX | 72.377% | 72.377% | Primary | Cash Out | 716 | 25.17 | XX | 5.08 | $23437.80 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $129438.41 | 30.449% |  | Alternative | QC Complete | 04/14/2026 |
| 43 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of personal tax returns document with Schedule E page #1 as it is missing.<br> 04/20/2026: Countered. The top of the document in question states page 2. No page 1 was provided.<br> 4/27/2026: Resolved. Page 1 not required as there is no rent and page 2 shows all income from Schedule E. |  |  | 2 Family | XX | 70.000% | 70.000% | Investor | Cash Out | 779 |  | XX | 5.5 | $33387.22 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $278527.17 | 25.570% |  | Full Documentation | QC Complete | 04/14/2026 |
| 46 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide an updated government ID, as the borrower's provided ID for XX has expired.<br> 05/28/2026: Resolved. Received copy of valid passport. |  |  | PUD | XX | 79.962% | 79.962% | Secondary | Refinance | 769 |  | XX | 1.5 | $0.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.365% |  | Full Documentation | QC Complete | 05/19/2026 |
| 47 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 49.737% | 49.737% | Investor | Purchase | 760 |  | XX | 6.16 | $26307.82 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.712% | No | Full Documentation | QC Complete | 05/05/2026 |
| 48 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 48.125% | 48.125% | Investor | Cash Out | 758 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $147550.98 |  |  | Alternative | QC Complete | 05/19/2026 |
| 49 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of Supplemental Title Report to cover the loan amount.<br> 04/28/2026: Resolved. Received updated title. |  |  | Single Family | XX | 69.050% | 69.050% | Primary | Refinance | 723 | 3.5 | XX | 20.16 | $25492.65 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 28.049% |  | Alternative | QC Complete | 04/14/2026 |
| 50 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of updated Lease agreement for the property address "XX" with rental amount<br>04/30/2026: Resolved. Received lease with correct address and rental amount. |  |  | Single Family | XX | 70.000% | 70.000% | Investor | Cash Out | 790 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $107469.10 |  |  | Alternative | QC Complete | 04/14/2026 |
| 52 | XX | XX |  | XX | XX | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: The loan does not meet the XX guideline, as vesting is permitted only for individual borrowers. However, the title reflects vesting in the LLC name, "XX."<br> 05/15/2016: Countered. Product Vesting Options<br> XX XX<br> •  Must vest in the name of an individual(s).<br> •  Vesting in a company is not permitted (Corporations, LLCs, Partnerships, and S-Corporations).<br> •  Must vest in the name of an individual(s).<br>05/19/2026: Resolved. Per guidelines 02.26.2026 v26.2 Vesting options-added LLC's are permitted for XX and XX.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the loan score card, as it is missing.<br>05/15/2026: Resolved. XX in original package. |  |  | Low Rise Condo (1-4 Stories) | XX | 49.741% | 49.741% | Investor | Cash Out | 793 |  | XX | 33.08 | $9536.41 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $326006.66 | 42.608% |  | Full Documentation | QC Complete | 06/08/2026 |
| 53 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 37.870% | 37.870% | Primary | Purchase | 769 |  | XX | 23.42 | $104312.13 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 28.065% | No | Alternative | QC Complete | 05/20/2026 |
| 53 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 51.472% | 51.472% | Primary | Purchase | 804 |  | XX | 4.66 | $6840.13 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.852% | No | Alternative | QC Complete | 05/19/2026 |
| 56 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Secondary | Purchase | 753 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/06/2026 |
| 58 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 54.291% | 54.291% | Secondary | Refinance | 807 |  | XX | 3.08 | $0.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.835% |  | Alternative | QC Complete | 05/05/2026 |
| 59 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br> 04/28/2026: Resolved. Received updated title. |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 794 |  | XX | 18.08 | $15639.64 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $145950.08 | 47.423% |  | Full Documentation | QC Complete | 04/14/2026 |
| 60 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Property Issues indicated - EV R<br> COMMENT: Provide a copy of Appraiser license as it is missing<br>04/21/2026: Received appraisers license information<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of HOA document for property address "XX<br> 04/22/2026: Resolved. the 2024 schedule E line 19 shows no HOA fee for this property. Additionally, the underwriting calc sheet comments read verified no HOA third party search<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of HOA document for property address "XX"<br> 04/22/2026: Resolved. the 2024 schedule E line 19 shows no HOA fee for this property. Additionally, the underwriting calc sheet comments read verified no HOA third party search |  |  | PUD | XX | 74.865% | 74.865% | Investor | Cash Out | 781 |  | XX | 29.16 | $15527.05 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $268275.25 | 25.801% |  | Full Documentation | QC Complete | 04/14/2026 |
| 64 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 710 |  | XX | 7.42 | $77839.98 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 22.400% | No | Alternative | QC Complete | 05/05/2026 |
| 67 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 59.452% | 59.452% | Primary | Refinance | 716 | 10.33 | XX | 41.08 | $84835.23 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.072% |  | Alternative | QC Complete | 05/19/2026 |
| 72 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 50.000% | 50.000% | Primary | Purchase | 746 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/20/2026 |
| 74 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Homeownership Counselling Disclosure is missing. - EV R<br> COMMENT: Missing Homeownership Counseling Disclosure.<br>Resolved 04/29/2026: Received Homeownership Counseling Disclosure dated 03/05/2026 and exception is cleared.<br>\*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Dwelling amount $XX is not sufficient to cover loan amount $XX. Provide replacement cost estimator.<br>04/30/2026 countered: The Letter of Explanation provided does not adequately support that the dwelling coverage meets or exceeds the loan amount in the absence of a Replacement Cost Estimator (RCE).<br>05/07/2026 Countered : Please provide the updated policy reflecting the replacement cost.<br>05/12/2026: Countered. Please provide the proof of additional coverages/endorsement/exclusions: SIC HO 23 69 02 22- Specified Additional Amount of insurance Coverage A listed on the declaration page.<br>05/20/2026 Resolved: Resolved as per the new fannie rules the insurance coverage is sufficient. |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 771 |  | XX | 18.42 | $41146.39 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.325% | No | Alternative | QC Complete | 04/22/2026 |
| 78 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 773 |  | XX | 3.5 | $20121.33 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.954% | No | Alternative | QC Complete | 05/06/2026 |
| 80 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 769 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/19/2026 |
| 81 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the mortgage statement and property tax documentation for the property located at XX.<br> 04/29/2026: Countered. In addition to the proof provided for the HOA actual proof of the PITI is needed such as a mortgage statement.<br>05/06/2026: Resolved: As of the date the subject note, this property had not yet closed and the payment was included as worst casr scenario. The CD provided is verification of PITI and seperate verification of the HOA was also provided. |  |  | Single Family | XX | 46.429% | 48.633% | Primary | Cash Out | 691 | 11.5 | XX | 14.08 | $38315.79 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $133560.25 | 22.126% |  | Full Documentation | QC Complete | 04/24/2026 |
| 82 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide an updated hazard insurance policy reflecting the mortgagee information and the subject property address, including unit number #24.<br> 05/14/2026: Resolved. Received updated insurance. |  |  | Low Rise Condo (1-4 Stories) | XX | 68.966% | 68.966% | Primary | Cash Out | 691 | 1.33 | XX | 17.08 | $6345.21 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $191065.99 | 46.206% |  | Alternative | QC Complete | 05/06/2026 |
| 83 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 85.000% | 85.000% | Investor | Purchase | 751 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/08/2026 |
| 85 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Refinance | 744 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 05/19/2026 |
| 86 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) DTI > 50% - EV R<br> COMMENT: Provide documentation to verify costs and fees for the property located at XX. The costs were stated to be $12/month. Recalculate DTI once received.<br>05/01/2026: Countered. The 1003 lists XX with monthly insurance, Taxes, Association dues as $125.00. Documentation provided show HOI as $273.00 per month and taxes as $120.94 per month. Which makes the DTI 50.43.<br>05/08/2026: Countered. The documentation provided shows the HOI as $273.00 and the taxes at $120.94 for a total of $393.94 not $125.00making the DTI 50.43<br>05/22/2026: Resolved. The correct DTi should be 49.58 with the 125.00 included.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of Feb month bank statement for the account "XX<br> 05/01/2026:Resolved. This asset is not needed.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide proof of distribution of the borrowers income from Merill account matching the amount stated on the loan application of $XX.<br> 05/01/2026: Countered: per the underwriters comments in the Resubmission review: We will need a statement from the borrower regarding plans of retirement, based on guides if retiring within 3 years of the note additional conditions apply.<br>05/08/2026: Countered. The asset qualifier guidelines list which assets are eligible for use. <br> Retirement Accounts <br> 401(k)/403(b) plans or IRA, SEP or XX accounts Borrower is at least 59 ½ years old (retirement age) <br> Documentation has been provided confirming the borrower has full access to the funds <br> If the borrower is not 59 ½ years old, the borrower must have enough liquid assets to qualify until they reach 59 ½ years of age<br>7. Required Disclosures <br>• Notice to Borrower: Ability to Repay Disclosure signed by the borrowers <br> • Ability to Repay (ATR) Certification completed by underwriter <br> • Borrower's Affirmation of Information Provided to Establish Ability to Repay (ATR) signed by the borrower <br> • Asset Qualifier requires a letter of explanation from the borrower certifying their intent to liquidate the assets to pay current expenses <br>The guidelines don't state that if they are of retirement age they don't need the letter on intent. a letter is still needed from the borrower.<br>05/13/2026: Resolved. Received Bo-borrower is of retirement age and a letter of explanation is not needed on asset based income. |  |  | Single Family | XX | 60.848% | 60.848% | Primary | Refinance | 794 | 2.25 |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.587% |  | Alternative | QC Complete | 04/28/2026 |
| 88 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide a copy of secondary valuation as it is missing.<br> 05/22/2026: Incorrect condition. XX Valuation Intellgence appraisal Risk Review is in original file. |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Cash Out | 744 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $428.14 |  |  | Alternative | QC Complete | 05/19/2026 |
| 90 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 806 |  |  |  | $0.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/07/2026 |
| 91 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 83.844% | 83.844% | Investor | Refinance | 744 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 05/19/2026 |
| 92 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 78.947% | 78.947% | Primary | Cash Out | 732 | 4.33 | XX | 5.92 | $7332.96 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $32100.86 | 49.919% |  | Alternative | QC Complete | 05/20/2026 |
| 96 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of updated title or supplemental title report including Lender ISAOA/ATIMA Clause, as is it missing<br> 04/28/2026: Resolved. Received updated title. |  |  | Single Family | XX | 61.905% | 61.905% | Investor | Purchase | 789 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 04/15/2026 |
| 98 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide tax and insurance documents for the property "1XX to verify the stated amount $298.64.<br> 05/15/2026: Countered. Provide copy of seller CD for XX to show sold.<br> 05/18/2026: Resolved. Copy of settlement statement provided. |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 779 |  | XX | 17.67 | $21615.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.855% | No | Full Documentation | QC Complete | 05/08/2026 |
| 99 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 41.096% | 41.096% | Primary | Cash Out | 749 | 19.5 | XX | 2.08 | $73269.92 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $14532.17 | 2.015% |  | Alternative | QC Complete | 06/08/2026 |
| 101 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 757 |  | XX | 20.42 | $20544.62 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $148509.39 | 25.682% |  | Alternative | QC Complete | 05/19/2026 |
| 103 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Homeownership Counselling Disclosure is missing. - EV R<br> COMMENT: Missing Homeownership Counseling Disclosure.<br> 05/13/2026: Countered. The Homeownership Counseling Disclosure is missing.<br> 05/13/2026: Resolved. Received Hownership Counseling Organization List |  |  | Single Family | XX | 70.000% | 70.000% | Primary | Purchase | 810 |  | XX | 11.66 | $23446.70 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.427% | No | Alternative | QC Complete | 05/07/2026 |
| 108 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 11.325% | 11.325% | Investor | Refinance | 805 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 05/19/2026 |
| 109 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide fully executed letter from business CPA confirming borrowers ownership percentage in the business and how long it has been in operation.<br>05/13/2026: Resolved; Received Corporate resolution of XX, certificate of fact from the office of the secretary of state, franchise tax account status and public iinformation report |  |  | PUD | XX | 75.000% | 75.000% | Primary | Cash Out | 722 | 1.58 | XX | 10.75 | $23380.48 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $136594.37 | 43.802% |  | Alternative | QC Complete | 05/06/2026 |
| 110 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of lease agreement for the property address "XX"<br>05/22/2026: Incorrect condition. The full PITI was included int he ratios no lease is needed. |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 772 |  | XX | 2.91 | $12125.56 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.744% | No | Full Documentation | QC Complete | 05/19/2026 |
| 111 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) | XX | 62.112% | 62.112% | Investor | Purchase | 804 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/19/2026 |
| 112 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 780 |  | XX | 5.83 | $33505.76 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 14.573% | Yes | Alternative | QC Complete | 05/20/2026 |
| 115 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX | 57.252% | 57.252% | Investor | Cash Out | 740 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $119800.49 |  |  | Alternative | QC Complete | 05/20/2026 |
| 116 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 740 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $39456.70 |  |  | Alternative | QC Complete | 05/20/2026 |
| 117 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 72.000% | 72.000% | Primary | Purchase | 729 |  | XX | 5.66 | $49973.13 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 24.287% | No | Alternative | QC Complete | 05/06/2026 |
| 118 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX | 68.410% | 68.410% | Investor | Cash Out | 740 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $151630.99 |  |  | Alternative | QC Complete | 05/20/2026 |
| 119 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 740 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $10257.78 |  |  | Alternative | QC Complete | 05/20/2026 |
| 120 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 85.000% | 85.000% | Investor | Purchase | 792 |  | XX | 1.08 | $13750.01 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.438% | No | Full Documentation | QC Complete | 05/20/2026 |
| 121 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide a copy of the secondary valuation CDA as it is required guidelines.<br>05/11/2026: Resolved. Client provided 2 full appraisals in original package.<br>\*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Preliminary title does not reflect the amount of $XX title insured coverage amount. provide a copy of supplemental report with lender ISAOA/ATIMA clause.<br>05/13/2026: Resolved. Received updated title. |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 783 |  | XX | 9.58 | $3878.08 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.729% | No | Full Documentation | QC Complete | 05/07/2026 |
| 122 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Subject or Comp Photos are missing or illegible - EV R<br> COMMENT: Photos of the rent comparables are missing from the loan package. Provide photos of all rent comparables listed in the appraisal.<br> 05/15/2026: Resolved: Per Fannie Mae photographs of comparable rentals utilized in the Small Income Residentail Appraisal Report (Form 1025) are not required. |  |  | 3 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 768 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $15648.32 |  |  | Alternative | QC Complete | 05/06/2026 |
| 123 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 62.887% | 62.887% | Primary | Purchase | 721 |  | XX | 3.66 | $1028.02 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.711% | No | Alternative | QC Complete | 06/08/2026 |
| 125 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Reverification within 10 days is missing - EV R<br> COMMENT: Provide verbal VOE for borrower (XX) from (XX) dated within 10 business days of closing.<br> 05/13/2026: Resolved. borrower is self employed. Received letter from CPA. |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 708 |  | XX | 5.67 | $22326.45 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.977% | No | Alternative | QC Complete | 05/11/2026 |
| 131 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide a copy of Secondary valuation as it is missing<br> 05/14/2026: Resolved. A XX Appraisal Risk Review is in the file. |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Refinance | 722 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 05/07/2026 |
| 132 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 75.000% | 75.000% | Investor | Purchase | 780 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/08/2026 |
| 133 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide a copy of the secondary valuation CDA as it required by the guidelines.<br> 05/13/2026: Resolved. File already had 2 full appraisals.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the loan score card, as it is missing.<br> 05/13/2026: Resolved. LoanScore Card is no longer needed. |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 747 |  | XX | 9.58 | $19514.76 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.557% | No | Full Documentation | QC Complete | 05/11/2026 |
| 134 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 66.818% | 66.818% | Primary | Refinance | 682 | 1.16 | XX | 2.83 | $11503.19 | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.510% |  | Alternative | QC Complete | 05/07/2026 |
| 137 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 82.436% | 82.436% | Investor | Refinance | 735 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 05/07/2026 |
| 139 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide a copy of Secondary valuation as it is missing.<br> 05/15/2026: Resolved. Two appraisals were provided. |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 816 |  |  | 2.08 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/07/2026 |
| 142 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 773 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/20/2026 |
| 144 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 722 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/20/2026 |
| 146 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the loan score card, as it is missing.<br>05/12/2026: Countered. Guidelines 02.26.2026v26.2 under #13 underwriting state Loans must be submitted to LoanScoreCard or to XX for approved clients.<br> 05/13/2026: Resolved: Loanscore is no longer needed per guidelines. |  |  | PUD | XX | 75.000% | 75.000% | Primary | Purchase | 752 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/07/2026 |
| 147 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 792 |  |  |  | $3664.70 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.039% | No | Full Documentation | QC Complete | 05/20/2026 |
| 150 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 67.376% | 67.376% | Secondary | Purchase | 818 |  | XX | 15.5 | $21105.38 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.433% | No | Full Documentation | QC Complete | 05/20/2026 |
| 152 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Refinance | 735 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 05/20/2026 |
| 154 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 804 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/07/2026 |
| 155 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 30.343% | 30.343% | Secondary | Purchase | 800 |  | XX | 12.92 | $10812.50 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.640% | No | Alternative | QC Complete | 05/20/2026 |
| 158 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 70.000% | 70.000% | Secondary | Purchase | 798 |  |  |  | $79300.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.745% | No | Alternative | QC Complete | 05/19/2026 |
| 159 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 768 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/20/2026 |
| 164 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 85.000% | 85.000% | Investor | Purchase | 756 |  | XX | 7.33 | $54526.16 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 4.268% | No | Alternative | QC Complete | 05/20/2026 |
| 166 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 53.095% | 53.095% | Primary | Purchase | 800 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 9.843% | No | Alternative | QC Complete | 05/20/2026 |
| 200 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.562% Allowed 7.870% Overby +0.692%<br>This loan is compliant with regulation 1026.35 |  |  | Low Rise Condo (1-4 Stories) | XX | 90.000% | 90.000% | Primary | Purchase | 742 |  | XX | 3.58 | $12873.51 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.598% | Yes | Alternative | QC Complete | 05/05/2026 |
| 201 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.591% Allowed 7.870% Overby+0.721%<br>This loan is compliant with regulation 1026.35. |  |  | 2 Family | XX | 90.000% | 90.000% | Primary | Purchase | 770 |  | XX | 17.91 | $26721.17 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 24.937% | Yes | Alternative | QC Complete | 05/21/2026 |
| 202 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 47.049% | 47.049% | Primary | Purchase | 733 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | Yes | Alternative | QC Complete | 05/21/2026 |
| 203 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 85.000% | 85.000% | Investor | Purchase | 776 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 04/17/2026 |
| 204 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title insurance amount of $XX is insufficient to cover the loan amount of $XX. Provide a copy of the title supplemental report.<br>05/08/2026: Resolved. Received updated title. |  |  | 3 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 757 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $127487.32 |  |  | Alternative | QC Complete | 05/05/2026 |
| 204 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: Missing Final Closing Disclosure<br>Resolved 04/20/2026: Received Final Closing Disclosure dated 04/XX/2026 and exception is cleared. |  |  | PUD | XX | 70.000% | 70.000% | Primary | Purchase | 758 |  | XX | 2.75 | $690566.22 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 6.626% | No | Alternative | QC Complete | 04/16/2026 |
| 209 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Refinance | 752 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 05/26/2026 |
| 210 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Loan score card 1st page is missing.<br>05/11/2026: Resolved. Received passing LoanScorecard. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Excessive NSF's <br>A copy of an exception approval letter is available in the loan file. | DTI: 10.58% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 58.82% LTV is less than the guideline requirement of 75.00%.<br>Reserves: The 89 months of available reserves are more than the guideline requirement of 3 months.<br>| PUD | XX | 58.824% | 58.824% | Primary | Cash Out | 641 | 30.71 | XX | 18.16 | $43000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $328323.25 | 10.575% |  | Alternative | QC Complete | 05/06/2026 |
| 212 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 77.619% | 77.619% | Investor | Purchase | 771 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/26/2026 |
| 213 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 65.179% | 65.179% | Primary | Refinance | 711 | 0.66 | XX | 8.33 | $15036.12 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.682% |  | Alternative | QC Complete | 05/06/2026 |
| 215 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 70.000% | 70.000% | Primary | Cash Out | 788 | 24 | XX | 5 | $8347.63 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $474387.15 | 45.955% |  | Alternative | QC Complete | 05/05/2026 |
| 216 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 52.500% | 52.500% | Investor | Cash Out | 681 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $143931.99 |  |  | Alternative | QC Complete | 05/21/2026 |
| 218 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Insurance premium is missing in hazard insurance document. Provide a copy of insurance with premium.<br>05/08/2026: Resolved. Received updated HOI with premium.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of Jan 2026 bank statement for account " XX"<br>05/07/2026; Resolved. The asset is good through 03/XX/2026 and the 12/XX/2025 statement is within 45 days of the application date and the loan closed 03/XX/2026. Asset is not expired. |  |  | Single Family | XX | 59.091% | 59.091% | Primary | Refinance | 732 | 0.75 | XX | 4.5 | $105367.22 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 19.457% |  | Alternative | QC Complete | 04/28/2026 |
| 222 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a legible copy of borrower Govt ID.<br>05/11/2026: Resolved. Received ID |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 790 |  | XX | 2.25 | $167833.98 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 5.439% | No | Alternative | QC Complete | 05/06/2026 |
| 223 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Resolved 05/27/2026: Received Initial Closing Disclosure dated 05/06/2026 and exception is cleared.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Missing page two of the promissory note.<br> 05/27/2026: Resolved. Received page 2 of Note. |  |  | PUD | XX | 75.000% | 75.000% | Primary | Purchase | 772 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/20/2026 |
| 224 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 737 |  |  |  | $13231.04 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $68724.61 | 43.460% |  | Alternative | QC Complete | 05/26/2026 |
| 225 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of supplemental title report , as the proposed title insured amount $XX is inadequate to fully cover the loan amount of $XX.<br> 05/14/2026: Resolved. Received updated title.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide bank statement form Sep 25-2025 to Oct 24-2025, as it is missing<br> 05/13/2026: Resolved. Received bank statements. |  |  | Low Rise Condo (1-4 Stories) | XX | 85.000% | 85.000% | Primary | Purchase | 725 |  | XX | 2.16 | $9305.32 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.558% | Yes | Alternative | QC Complete | 05/06/2026 |
| 227 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 785 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/05/2026 |
| 229 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.412% Allowed 7.520% Overby +0.892%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of missing March(2025) month bank statement for XX<br> 04/20/2026: Countered. The print out provided only goes through 03/23/2026. It's not an actual statement that shows a good through date.<br> 04/22/2026: Resolved. Received a printout dated 03/18/2026.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR).<br>Higher-Priced Mortgage Loan Test: Charged 8.412% Allowed 7.520% Overby +0.892%<br>This loan is compliant with regulation MD COMAR, (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6). |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 699 |  | XX | 5.66 | $43535.74 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.384% | No | Alternative | QC Complete | 04/07/2026 |
| 232 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 704 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/06/2026 |
| 234 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide an updated lease agreement for the subject property XX. Lease agreement in file is expired on 03/31/2026.<br>05/29/2026: Resolved. Received LOE. Purchase transaction, expired lease so not conveying with property. Using market rent to qualify as worst case since lower than previous expired lease rent amount. |  |  | 2 Family | XX | 85.000% | 85.000% | Investor | Purchase | 767 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/21/2026 |
| 235 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 745 |  | XX | 7.25 | $24733.55 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.234% | No | Alternative | QC Complete | 05/26/2026 |
| 235 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy updated of supplemental title report , as the proposed title insured amount $XX is inadequate to fully cover the loan amount of $XX.<br> 05/27/2026: Resolved. Received updated title. |  |  | Single Family | XX | 74.643% | 74.643% | Investor | Cash Out | 782 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $1588.60 |  |  | Alternative | QC Complete | 05/21/2026 |
| 236 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Primary | Purchase | 801 |  | XX | 4.83 | $10400.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.155% | Yes | Full Documentation | QC Complete | 05/21/2026 |
| 237 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The DOT document reflects only one borrower, while the Note and Credit Report reflect two borrowers. Please provide a corrected DOT that includes the co-borrower's (XX) name.<br>05/22/2026: The co-borrower on the loan is a co-signer and is not required to sign the DOT. |  |  | Single Family | XX | 70.000% | 70.000% | Primary | Purchase | 758 | 1.83 | XX | 3.42 | $6429.65 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.994% | Yes | Alternative | QC Complete | 05/13/2026 |
| 238 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 63.077% | 63.077% | Investor | Purchase | 721 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 05/05/2026 |
| 239 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Primary | Cash Out | 797 | 3.08 |  |  | $3202.25 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $23055.58 | 49.075% |  | Full Documentation | QC Complete | 04/08/2026 |
| 240 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Refinance | 722 |  | XX | 10.33 | $62519.14 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.300% |  | Alternative | QC Complete | 05/21/2026 |
| 242 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Amount of title insurance is not sufficient to cover the loan amount of $XX, provide a copy of title supplement report<br> 04/16/2026: Resolved. Received updated title.<br>\*\*\* (CURED) Condo / PUD rider Missing - EV R<br> COMMENT: Provide a copy of PUD rider as it is missing<br> 04/14/2026: Resolved. Received PUD rider<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing Shareholder's agreement and Articles of organization for XX showing 61% ownership of XX.<br> 04/15/2026: Countered. The Articles of organization for XX XXshowing 61% ownership of XXis needed to show proof that xxownership<br> 04/21/2026: Countered. The document provided doesn't mention anything about XX. Need Articles of organization for XX showing 61% ownership of XX<br>04/29/2026 : Resolved. the borrower has 51% ownership of XX has 61% ownership of XX |  |  | PUD | XX | 70.611% | 70.611% | Primary | Refinance | 729 | 1.5 | XX | 2.41 | $89269.04 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.711% |  | Alternative | QC Complete | 04/07/2026 |
| 243 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 743 |  | XX | 2.66 | $18646.16 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 28.993% | Yes | Alternative | QC Complete | 04/17/2026 |
| 244 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.585% Allowed 7.760% Overby +0.825%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | XX | 90.000% | 90.000% | Primary | Purchase | 722 |  | XX | 2.16 | $7486.02 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.720% | Yes | Alternative | QC Complete | 05/15/2026 |
| 246 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 743 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/06/2026 |
| 247 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 723 | 3.66 | XX | 15.25 | $57938.30 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $285823.76 | 14.951% |  | Alternative | QC Complete | 05/06/2026 |
| 251 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 53.235% | 53.235% | Primary | Cash Out | 666 | 26 | XX | 14.33 | $10538.87 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $276644.62 | 49.989% |  | Alternative | QC Complete | 05/26/2026 |
| 252 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a copy of the driving license for borrower "XX", as it is missing.<br>05/11/2026: Resolved. Received ID |  |  | 2 Family | XX | 75.000% | 75.000% | Investor | Refinance | 768 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 05/06/2026 |
| 253 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 734 |  | XX | 5.16 | $118656.38 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 5.285% | Yes | Alternative | QC Complete | 06/08/2026 |
| 254 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide an updated hazard insurance for subject property with mortgagee clause reflecting "XX ISAOA/ATIMA".<br>05/29/2026: Resolved. Received updated insurance |  |  | Low Rise Condo (1-4 Stories) | XX | 85.000% | 85.000% | Investor | Refinance | 779 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 05/26/2026 |
| 255 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 750 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/13/2026 |
| 258 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of updated title report or supplemental report for the subject address, as is it missing<br> 04/23/2026: Resolved. Received updated title. |  |  | Single Family | XX | 49.310% | 49.310% | Investor | Refinance | 789 |  | XX | 5.16 | $13624.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.908% |  | Alternative | QC Complete | 04/07/2026 |
| 260 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Stated Asset Qualifier income from 1008 and 1003 is $38,333. however, Asset Qualification calculator reflecting as $3,923.54 - Reviewer calculated income is $28,977.74.<br> 5/13/2026: Resolved. Received letter from underwriter stating There should be no income on Asset qualifier loans, this was included in error. A new 1003 and 1008 were provided. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Use business assets for down payment due to current residence selling after closing vs business assets not permitted per guidelines.<br>Exception Approval Present. | Low LTV: LTV of 50.17% is less than the maximum guideline requirement of 80%.<br>Credit Score : 737 exceeds the minimum guideline requirement of 640<br>$3,927.16 residual income vs min $2,500 required residual income. <br>| PUD | XX | 50.167% | 50.167% | Primary | Purchase | 737 |  |  |  | $38333.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.169% | No | Alternative | QC Complete | 05/07/2026 |
| 261 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX | 80.000% | 80.000% | Investor | Purchase | 803 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 04/17/2026 |
| 262 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Proposed title amount is less than the loan amount of $XX 04/30/2026: Resolved. Received updated title.<br>\*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: HOI policy lists coverage amount and replacement coverage enough to cover loan amount. is less than the loan amount of $XX<br>Resolved: 05/06/2026: HOI policy lists coverage amount and replacement coverage enough to cover loan amount. |  |  | 2 Family | XX | 57.875% | 57.875% | Investor | Cash Out | 771 | 16 |  |  |  | Mos Reviewed:54<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $746570.46 |  |  | DSCR | QC Complete | 04/27/2026 |
| 264 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of Title supplemental report, as the amount of title insurance $XX is less than the loan amount $XX<br>04/20/2026 Resolved : The copy of final Title policy resolves the condition. |  |  | Single Family | XX | 46.471% | 46.471% | Primary | Refinance | 740 | 0.75 | XX | 3.58 | $8981.15 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.449% |  | Alternative | QC Complete | 04/08/2026 |
| 267 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide supporting document for the credit liability as it is missing.<br>Inst - XX $24,623 $192.00<br>04/21/2026: Countered The loanscore card provided does not clear the condition. Need documentation to clear the credit libility Inst - XX $24,623 $192.00<br> 04/28/2026: Resolved. Credit report in file shows this account as paid and at a zero balance. |  |  | Single Family | XX | 72.354% | 72.354% | Primary | Refinance | 777 | 1.75 | XX | 27.16 | $93871.96 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.877% |  | Alternative | QC Complete | 04/08/2026 |
| 268 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 775 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/21/2026 |
| 269 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 759 |  |  |  | $11452.40 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 28.447% | No | Alternative | QC Complete | 05/13/2026 |
| 270 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 64.286% | 64.286% | Investor | Cash Out | 762 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $272187.20 |  |  | Alternative | QC Complete | 05/06/2026 |
| 271 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 752 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/26/2026 |
| 272 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 52.174% | 52.174% | Primary | Cash Out | 736 | 29 | XX | 36.75 | $4508.95 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $47030.63 | 41.947% |  | Alternative | QC Complete | 05/05/2026 |
| 273 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 66.054% | 66.054% | Primary | Cash Out | 736 | 13.33 | XX | 3.83 | $44329.07 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $111247.38 | 17.139% |  | Alternative | QC Complete | 05/06/2026 |
| 274 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 70.000% | 70.000% | Investor | Purchase | 774 |  | XX | 5.83 | $381934.91 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 2.276% | No | Alternative | QC Complete | 05/06/2026 |
| 275 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final Application Incomplete - EV R<br> COMMENT: Provide a complete copy of the final application, as only 6 of the 15 pages are currently available in the loan file.<br>05/11/2026: Resolved. Received all pages of 1003. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 767 | 2.17 | XX | 3.08 | $24041.09 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $65371.23 | 25.318% |  | Alternative | QC Complete | 05/06/2026 |
| 275 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 59.200% | 59.200% | Primary | Cash Out | 743 | 10.08 | XX | 2.33 | $17235.76 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $77304.31 | 39.349% |  | Alternative | QC Complete | 05/12/2026 |
| 275 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: To allow foreign assets that do not need to be moved to US banking institution to qualify. <br>Exception Approval Present. | Credit Score : 742 exceeds the minimum guideline requirement of 720<br>LTV: LTV of 80% is less than the maximum guideline requirement of 90%.<br>Actual residual income of $5,751.80 vs required $2,500 | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 742 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/26/2026 |
| 277 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 75.000% | 75.000% | Investor | Purchase | 729 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/06/2026 |
| 279 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Resolved 05/11/2026: Received Initial Closing Disclosure dated 04/01/2026 and exception is cleared. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Allowing to use VOR from owner when transaction is between landlord and tenant without canceled checks. Exception approval is present | Credit Score : 729 exceeds the minimum guideline requirement of 700 Low DTI : DTI of 34.45% is less than the maximum guideline requirement of 50%. Reserve : 10.964 months reserves exceed the minimum guideline of 5 months. | PUD | XX | 85.000% | 85.000% | Primary | Purchase | 729 |  | XX | 4.41 | $11072.01 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.446% | No | Alternative | QC Complete | 05/06/2026 |
| 280 | XX | XX |  | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception to not require a 5% LTV reduction for declining market.<br>Exception approval present | Credit Score - 754 is exceeding the minimum score of 680.<br>Low LTV: LTV of 75% is less than the maximum guideline requirement of 80%.<br>10.136 months verified reserves are short of the guideline requirement of 6 months. | PUD | XX | 75.000% | 75.000% | Investor | Cash Out | 754 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:1<br> Max Days Dlq Last 12 Mos:30<br> Verification Type:Credit Report | $29368.82 |  |  | DSCR | QC Complete | 05/07/2026 |
| 281 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of supplemental title report , as the proposed title insured amount $XX is inadequate to fully cover the loan amount of $XX<br>05/07/2026: Resolved. Received updated title. |  |  | Single Family | XX | 73.377% | 73.377% | Investor | Refinance | 668 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 04/17/2026 |
| 282 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 39.034% | 39.034% | Investor | Purchase | 718 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/26/2026 |
| 284 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) | XX | 66.038% | 66.038% | Investor | Purchase | 804 |  | XX | 4.58 | $14124.93 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.506% | No | Full Documentation | QC Complete | 05/21/2026 |
| 285 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Provide a copy of Hazard insurance with Mortgage Clause.<br> 05/19/2026: Countered. the mortgagee clause needs to be complete with ISAOA/ATIMA included.<br> 05/19/2026: Resolved. Received updated HOI with mortgagee clause |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 786 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/12/2026 |
| 286 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Coverage amount $XX on the title report is less than the loan amount of XX. Provide a copy of Title supplement to cover the loan amount.<br> 05/29/2026; Resolved Received updated title |  |  | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 707 |  | XX | 2.92 | $5759.80 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.934% | Yes | Alternative | QC Complete | 05/21/2026 |
| 287 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 721 |  | XX | 4.33 | $21915.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.628% | No | Alternative | QC Complete | 05/06/2026 |
| 289 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing.<br>05/29/2026: Resolved. Received Borrower Business Purpose Certification. |  |  | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 741 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/27/2026 |
| 293 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 75.000% | 75.000% | Investor | Purchase | 805 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/06/2026 |
| 299 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: TRID violation due to appraisal fee increase on Final CD dated 04/XX/2026. Initial LE dated 03/XX/2026 reflects appraisal fee as $550.00 however, revised CD dated 04/17/2026 reflects the appraisal fee as $625.00. Require PCCD/COC to cure the tolerance violation of $75.00.<br>Resolved 05/15/2026: Received PCCD dated 05/12/2026 and exception is cleared. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 796 | 0.16 | XX | 30.16 | $26720.45 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $399246.89 | 34.687% |  | Full Documentation | QC Complete | 05/05/2026 |
| 300 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a copy of govt ID for the borrower (XX) as it is missing.<br>05/11/2026: Resolved. Received ID<br>\*\*\* (CURED) ComplianceEase TILA Test Failed - EV R<br> COMMENT: The final CD reflects a disbursement date of 04/XX/2026, which is the same as the cancellation date reflected on the ROR document. Provide the corrected disbursement date.<br>Resolved 05/12/2026: Received disbursement date 04/XX/2026 and exception is cleared.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the October business bank statement for XX account #XX, as it is currently missing from the loan file.<br>05/13/2026: Resolved. Received October bank statement | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: NSF event of 14 exceed the guideline requirement of maximum six NSF event in the any 12-month period.<br>Exception approval present | LTV of 50.78% is less than the maximum guideline requirement of 85%.<br>Residual Income : $1,690.69 monthly (Calculate it Total income - Total obligation)<br>Reserve : 18 months reserves exceed the minimum guideline of 6 months | Single Family | XX | 50.778% | 50.778% | Primary | Cash Out | 684 | 28 |  |  | $2529.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $30649.96 | 49.959% |  | Alternative | QC Complete | 05/07/2026 |
| 301 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the gift letter for $11,500.00. We have a gift letter only for $10,000 in the file.<br>05/08/2026: Resolved. Received a signed gift letter for $11,500.00<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of Tax Cert for the Subject property.<br>05/08/2026: Resolved. An underwriter tax summary new construction was provided calculating the tax amount. |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 708 |  | XX | 2.83 | $26018.08 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.858% | No | Alternative | QC Complete | 05/05/2026 |
| 302 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the supporting evidence document receipts HOA fee for the properties #XX, in the amount of $150.00, along with the lender 'XX' corresponding mortgage statements, as it is missing.<br>05/20/2026: Resolved. Received documentation for the $150.00 and the CD from XX in lieu of the mortgage statement. |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Refinance | 782 |  | XX | 6 | $340537.29 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.854% |  | Alternative | QC Complete | 05/13/2026 |
| 306 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Final 1003 must be corrected to reflect the co-borrower's accurate residency status. The government-issued ID indicates 'Permanent Resident Alien,' while the application currently reflects 'U.S. Citizen.'<br> 04/08/2026: Resolved. Received updated 1003.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the VOR for XX, as the borrower is currently residing in a rented and the document is missing.<br> 04/09/2026: Countered. A VOR will be needed for the correct address of XX/ XX<br> 04/13/2026: Resolved. Received copy of lease agreement and payments are on the bank statements. |  |  | Low Rise Condo (1-4 Stories) | XX | 70.313% | 70.313% | Investor | Cash Out | 799 |  | XX | 2.16 | $18191.51 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $306209.12 | 30.032% |  | Alternative | QC Complete | 04/01/2026 |
| 309 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 768 |  | XX | 2.25 | $52136.22 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 11.629% | No | Alternative | QC Complete | 05/07/2026 |
| 310 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: HOI coverage is $XX dwelling. Additional ins. docs in file were not legible.<br> 05/13/2026: Resolved. Received RCE.<br>\*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: Current mortgage on subject properry (per credit supplement) verifies 0x30 from 9/2025 to 4/2026, 5 months. LOX in file indicates living with family 7/2025 to 8/2025. 1003 in file indicates a previous home sold (XX) but mortgage not on credit report and no VOM or documentation verifying it as a free and clear owned property.<br> 05/15/2026: Resolved. Received property detail report for XXshows borrower had no ownershio in this property.<br>\*\*\* (CURED) Mortgage Not Recorded - EV R<br> COMMENT: Recording verification not found on the 2 source doc's<br>Resolved 05/12/2026 - Resolved as the mortgage is not required to be recorded at this stage.<br>\*\*\* (CURED) Property listed for sale in past 12 months - EV R<br> COMMENT: Cash out loan, need verification of subject purchase date to meet cash out seasoning requirements.<br> 05/15/2026: Resolved. Title shows when property was acquired. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 767 | 0.58 |  |  | $5527.06 | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $115424.84 | 49.786% |  | Alternative | QC Complete | 05/08/2026 |
| 314 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: Desk review dated 02/11/2026.Provide an updated desk review (CDA) pulled after the appraisal report dated (03-XX-2026).<br>04/29/2026: Resolved. Received desk review dated 04/23/2026<br>\*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of supplemental title report , as the proposed title insured amount $XX is inadequate to fully cover the loan amount of $XX.<br>Resolved: Received updated title. |  |  | Single Family | XX | 66.593% | 66.593% | Investor | Refinance | 779 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 04/08/2026 |
| 315 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 729 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/21/2026 |
| 317 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.592% Allowed 7.910% Overby+0.682%<br>This loan is compliant with regulation 1026.35. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Requesting exception on property type: Barndominium.<br>Exception Approval Present. | Credit Score : 653 exceeds the minimum guideline requirement of 640<br>Low DTI : DTI of 23.20% is less than the maximum guideline requirement of 50%.<br>Low LTV: LTV of 51.32% is less than the maximum guideline requirement of 80%.<br>| Single Family | XX | 51.316% | 51.316% | Primary | Purchase | 653 |  | XX | 10.08 | $23491.44 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.199% | Yes | Alternative | QC Complete | 05/21/2026 |
| 321 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 726 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/27/2026 |
| 322 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of updated Hazard insurance including Lender ISAOA/ATIMA clause, as is it missing.<br> 03/24/2026: Resolved. Received loe stating loan is a correspondent loan and the mortgagee clause is the brokers clause.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: 2377-1Provide a copy of updated title report including Lender ISAOA/ATIMA clause, as is it missing.<br> 04/06/2026: Resolved. This is a correspondent loan and the mortgagee reads per the brokers (lenders) requirement not XX. |  |  | Single Family | XX | 36.585% | 36.585% | Primary | Cash Out | 697 | 36 | XX | 52.08 | $6668.49 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $84896.95 | 35.954% |  | Alternative | QC Complete | 03/12/2026 |
| 323 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 73.874% | 73.874% | Primary | Cash Out | 735 | 1.16 | XX | 23.83 | $67823.10 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $261633.79 | 28.560% |  | Alternative | QC Complete | 05/12/2026 |
| 325 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 69.354% | 69.354% | Primary | Cash Out | 738 | 0.16 | XX | 9.5 | $81243.03 | Mos Reviewed:24<br> Times 1X30:1<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:30<br> Max Days Dlq Last 12 Mos:30<br> Verification Type:Credit Report | $499042.49 | 32.093% |  | Alternative | QC Complete | 06/08/2026 |
| 326 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing.<br> 05/15/2026: Resolved. Received Business Purpose & Occupancy Affidavit |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 786 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/12/2026 |
| 328 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of the title supplement to cover the loan amount of $XX<br>05/21/2026: Resolved. Received updated title with proposed loan amount of $XX | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Requesting exception to waive 12 months prior ownership for rate/term buyout.<br>A copy of an exception approval letter is available in the loan file. | FICO: 728 FICO exceeds the guideline requirement of 640.<br>Reserves: The 541 months of available reserves are more than the guideline requirement of 3 months.<br>DTI: 11.154% DTI is less than the maximum guideline requirement of 50.00%. | Single Family | XX | 27.468% | 27.468% | Primary | Refinance | 728 | 27 | XX | 6.66 | $40515.65 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 11.154% |  | Alternative | QC Complete | 05/11/2026 |
| 329 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 60.870% | 60.870% | Investor | Purchase | 804 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/08/2026 |
| 331 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 736 |  | XX | 3.66 | $11102.35 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.460% | Yes | Alternative | QC Complete | 05/21/2026 |
| 332 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 778 | 4.58 | XX | 5.25 | $8903.82 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $173185.61 | 23.377% |  | Alternative | QC Complete | 05/07/2026 |
| 333 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 69.116% | 69.116% | Primary | Refinance | 775 | 1 | XX | 0.25 | $18001.98 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.030% |  | Full Documentation | QC Complete | 05/21/2026 |
| 335 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 758 |  | XX | 4.66 | $63951.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.764% | No | Alternative | QC Complete | 05/07/2026 |
| 337 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Title report with sufficient amount of title insurance $XX is missing the proposed insured. Provide an updated title report.<br> 04/28/2026: Resolved. Received updated title. |  |  | Single Family | XX | 85.000% | 85.000% | Primary | Purchase | 744 |  | XX | 2.25 | $5622.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.499% | Yes | Alternative | QC Complete | 04/23/2026 |
| 337 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 776 |  | XX | 11.58 | $9281.19 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.094% | No | Full Documentation | QC Complete | 05/12/2026 |
| 340 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 737 | 4.5 | XX | 4.83 | $16909.22 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $42660.15 | 29.017% |  | Alternative | QC Complete | 04/17/2026 |
| 342 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX | 70.000% | 70.000% | Investor | Purchase | 801 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/12/2026 |
| 343 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a legible GOV ID for both borrowers.<br>05/28/2026: Resolved. Received valid ID's<br>\*\*\* (CURED) Missing Appraisal - EV R<br> COMMENT: Provide a copy of Full Appraisal as it is missing<br> 05/27/2026: Resolved. Received appraisal for $XX |  |  | Single Family | XX | 63.601% | 63.601% | Investor | Cash Out | 735 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $90332.98 |  |  | Alternative | QC Complete | 05/22/2026 |
| 345 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 722 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/21/2026 |
| 347 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of initial 1003 loan application.<br>05/12/2026: Resolved. Received initial application |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 751 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $87470.52 |  |  | Alternative | QC Complete | 05/07/2026 |
| 348 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX | 81.818% | 81.818% | Investor | Refinance | 768 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 06/08/2026 |
| 350 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 794 |  | XX | 11.58 | $54922.61 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.476% | No | Full Documentation | QC Complete | 05/21/2026 |
| 351 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 757 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/27/2026 |
| 354 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Refinance | 763 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 05/07/2026 |
| 356 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 39.200% | 39.200% | Secondary | Refinance | 775 |  | XX | 7.5 | $15416.66 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.454% |  | Full Documentation | QC Complete | 05/21/2026 |
| 357 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: Per the guidelines, the maximum allowed mortgage delinquencies in the last 12 months are 1x30 days and 0x60 days. However, this loan shows 1x30x12 days late and 1x60x12 days late, which is not acceptable.<br>04/20/2026 Countered : The copy of LOX on pg # 334 does say that the property was deeded in the borrower's name and the condition is valid.<br>04/30/2026: Resolved. Credit supplement shows the mortgage is not in the name of the borrower but in the name of Estate of XX. |  |  | Single Family | XX | 53.905% | 53.905% | Primary | Cash Out | 737 | 6.33 | XX | 15.33 | $128555.80 | Mos Reviewed:24<br> Times 1X30:1<br> Times 1X60:1<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $749641.46 | 14.877% |  | Alternative | QC Complete | 04/09/2026 |
| 360 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing Business Purpose & Occupancy Affidavit<br>05/20/2026: Resolved. Received Business Purpose & Occupancy Affidavit. |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 797 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $167995.95 |  |  | Alternative | QC Complete | 06/08/2026 |
| 362 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX<br>4/7/2026 Resolved. Received updated Schedule A verifying coverage of $XX |  |  | 2 Family | XX | 72.846% | 72.846% | Primary | Refinance | 752 | 2 | XX | 10.67 | $30754.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.626% |  | Alternative | QC Complete | 03/18/2026 |
| 364 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide HOA document for the property "XX".<br>05/29/2026: Resolved. Received document for HOA<br>\*\*\* (CURED) Reverification within 10 days is missing - EV R<br> COMMENT: Provide an executed VVOE for the employer "XX".<br> 05/13/2026: Resolved. Received VVOE. |  |  | Single Family | XX | 75.000% | 75.000% | Primary | Cash Out | 689 | 3.33 | XX | 6.08 | $12975.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $31868.72 | 41.066% |  | Alternative | QC Complete | 05/07/2026 |
| 366 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 784 |  | XX | 17 | $46000.00 | Mos Reviewed:24<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 24.107% | No | Full Documentation | QC Complete | 05/11/2026 |
| 367 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 57.143% | 57.143% | Primary | Purchase | 765 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/12/2026 |
| 369 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 54.021% | 54.021% | Primary | Cash Out | 662 | 14 | XX | 18.16 | $6438.69 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $42946.57 | 47.906% |  | Alternative | QC Complete | 05/12/2026 |
| 373 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 753 |  | XX | 11.25 | $10380.05 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.781% | No | Alternative | QC Complete | 05/27/2026 |
| 374 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report for title policy to cover the loan amount.<br>05/18/2026: Resolved. Received updated title<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of rent free letter for the property XX, as it is missing.<br> 05/20/2026: Incorrect condition. Resolved. Rent free letter not needed on Smartvest. |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 734 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/12/2026 |
| 375 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the receipt or supporting documentation for the supplemental tax or HOA fee in the amount of $61.56 for the property located at XX<br>05/05/2026: Resolved. Initial 1003 indicated 667.00 for monthly dues. The current appraisal provides the current HOA amount. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception to use of retirement assets for Asset based income when borrower is not within three (3) years of retirement age but is 51 months from retirement age.<br>Exception approval present | Credit Score : 806 exceeds the minimum guideline requirement of 720<br> Residual Income : $6,477.00 monthly <br> DTI of 41.18% is less than the maximum guideline requirement of 50%. | Mid Rise Condo (5-8 Stories) | XX | 60.748% | 60.748% | Investor | Purchase | 806 |  |  |  | $11011.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.771% | No | Alternative | QC Complete | 04/23/2026 |
| 377 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 78.049% | 78.049% | Primary | Cash Out | 780 | 2.58 | XX | 16.16 | $98913.07 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $500000.00 | 38.502% |  | Alternative | QC Complete | 05/08/2026 |
| 379 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 50.738% | 50.738% | Primary | Cash Out | 785 | 2 | XX | 4.25 | $5991.62 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $260302.73 | 48.562% |  | Alternative | QC Complete | 06/08/2026 |
| 381 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: Provide a copy of the secondary valuation. The current valuation on file does not correspond with the listed city name and ZIP code.<br>04/29/2026: Resolved. Received desk with correct city and zip. |  |  | PUD | XX | 60.976% | 60.976% | Secondary | Purchase | 812 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 04/09/2026 |
| 382 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing.<br> 05/27/2026: Resolved. Received Business Purpose & Occupancy Affidavit. |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 759 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/21/2026 |
| 383 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 50.000% | 50.000% | Investor | Purchase | 798 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/07/2026 |
| 384 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 33.500% | 33.500% | Investor | Refinance | 798 |  | XX | 4.5 | $469761.09 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 4.687% |  | Alternative | QC Complete | 03/30/2026 |
| 385 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: The property is documented as a PUD not a Condo therefore hazard insurance coverage must be equal to or less than the new loan amount. This is unless a RCE prepared by the hazard insurance provider is provided to document that the proposed coverage of XX is sufficient to rebuild the subject entirely. Provide a copy of the Replacement Cost Estimator prepared by the hazard insurance provider, as is currently, the dwelling coverage is insufficient in the amount of $XX since the new loan amount is $XX.<br> 05/08/2026: Resolved. Received insurance with building coverage of $XX |  |  | PUD | XX | 68.966% | 68.966% | Primary | Purchase | 789 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 04/23/2026 |
| 387 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 59.983% | 59.983% | Primary | Cash Out | 678 | 23.25 |  | 3.08 | $3095.85 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $76205.38 | 44.434% |  | Alternative | QC Complete | 03/30/2026 |
| 388 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 85.000% | 85.000% | Investor | Purchase | 796 |  |  |  | $13599.23 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.751% | No | Full Documentation | QC Complete | 05/12/2026 |
| 390 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Allowed 8.242% Charged 7.720% Overby +0.522%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide an executed VVOE for the employer "XX".<br> 05/13/2026: Resolved. Received VVOE. |  |  | Single Family | XX | 75.000% | 75.000% | Primary | Cash Out | 692 | 10 | XX | 10.25 | $12427.11 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $97893.37 | 44.202% |  | Alternative | QC Complete | 05/08/2026 |
| 394 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 78.757% | 78.757% | Primary | Purchase | 773 |  | XX | 4.83 | $21885.05 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.880% | No | Full Documentation | QC Complete | 05/27/2026 |
| 396 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 736 |  | XX | 2.83 | $18774.74 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 28.082% | No | Alternative | QC Complete | 05/14/2026 |
| 400 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 55.821% | 55.821% | Primary | Cash Out | 732 | 17 | XX | 42.16 | $17040.17 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $337983.09 | 28.351% |  | Alternative | QC Complete | 05/12/2026 |
| 403 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: 6.The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br> 05/15/2026: Resolved. Received updated title. |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 754 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/12/2026 |
| 404 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 727 | 6 | XX | 2.83 | $31590.31 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $35733.34 | 8.998% |  | Alternative | QC Complete | 05/26/2026 |
| 406 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide copy of driver's license or other acceptable form of Identification for borrower (XX), as it is missing.<br> 05/28/2026: Resolved. Received valid ID's |  |  | Single Family | XX | 30.000% | 30.000% | Investor | Cash Out | 749 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $35372.24 |  |  | Alternative | QC Complete | 05/22/2026 |
| 406 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Appraisal reflects subject occupancy as owner occupied; however, loan file indicates investment property refinance. Provide appraiser clarification and/or updated appraisal confirming subject occupancy status. 05/22/2026: Resolved. Received updated appraisal. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Requesting an exception for seasoning on a cash out refinance. Added to title 1/21/26 (Per notes, borrower inherited property upon passing of father. Mother, who is still living, transferred the property to the borrower.)<br>A copy of an exception approval letter is available in the loan file. | LTV: 60.00% LTV is less than the guideline requirement of 75.00%.<br>DTI: 40.898% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 733 FICO exceeds the guideline requirement of 720.<br>| Low Rise Condo (1-4 Stories) | XX | 60.000% | 60.000% | Investor | Cash Out | 733 |  | XX | 9.33 | $16413.22 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $241558.71 | 40.899% |  | Full Documentation | QC Complete | 06/08/2026 |
| 407 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing.<br> 05/15/2026: Resolved. Received Business Purpose & Occupancy Affidavit |  |  | 2 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 732 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $63322.85 |  |  | Alternative | QC Complete | 05/12/2026 |
| 407 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 64.000% | 73.961% | Primary | Cash Out | 775 | 13.08 |  |  | $8963.58 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | $202579.39 | 48.941% |  | Full Documentation | QC Complete | 05/11/2026 |
| 410 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 766 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/21/2026 |
| 411 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Requesting SLE for FTHB with no housing history<br>Exception approval present | 784 exceeds the minimum guideline requirement of 700<br>LTV of 70.51% is less than the maximum guideline requirement of 85%.<br>DTI of 31.77% is less than the maximum guideline requirement of 50%.<br>| Single Family | XX | 70.509% | 70.509% | Primary | Purchase | 784 |  | XX | 3.08 | $12553.71 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.772% | Yes | Alternative | QC Complete | 05/13/2026 |
| 412 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing credit report - EV R<br> COMMENT: Provide a copy of credit report for the borrower (XX) as it is missing.<br>05/28/2026: Resolved. Received copy of credit report. |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 755 |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  |  | No | DSCR | QC Complete | 05/22/2026 |
| 413 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of proposed Lender's coverage on the Title Commitment is less than the loan amount. The document reflects coverage in the amount of $XX, however, the Note reflects a loan amount of $XX<br>05/14/2026: Resolved. Received updated title.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The first page of the LoanScorecard Findings is missing. Provide a complete copy including all pages.<br> 5/13/2026: Resolved. Received Loanscore card. |  |  | 3 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 767 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $59882.06 |  |  | Alternative | QC Complete | 05/08/2026 |
| 415 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 813 |  | XX | 8.41 | $36110.24 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.093% | Yes | Alternative | QC Complete | 05/22/2026 |
| 417 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.967% Allowed 7.480% Overby +0.487%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide full month bank statement for the month Jan-2025, as the file currently contains only one page, with all other pages missing.<br>04/20/2026 Resolved : The copy of full month bank statement for Jan resolves the condition. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 708 | 6 | XX | 4.33 | $26647.12 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $37885.23 | 24.481% |  | Alternative | QC Complete | 04/09/2026 |
| 418 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br>05/05/2026: Resolved. Received updated title. |  |  | Single Family | XX | 65.077% | 65.077% | Primary | Cash Out | 690 | 30 |  |  | $4074.37 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $132114.28 | 38.598% |  | Alternative | QC Complete | 04/29/2026 |
| 419 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Hazard insurance dwelling coverage of $XX is does not cover the loan amount $XX. Provide a copy of the replacement cost estimator or update the hazard insurance policy to cover the loan amount.<br>05/01/2026: Countered. Increased coverage or a replacement cost estimator is still needed with a H03 policy.<br> 05/11/2026: Countered. Coverage amount has been cleared but please confirm what is included in other perils.<br> 05/12/2026: Resolved. Received Fannie Mae updates for HOI. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 744 |  |  |  | $17772.91 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.733% | No | Full Documentation | QC Complete | 04/24/2026 |
| 421 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 72.656% | 72.656% | Investor | Refinance | 762 |  | XX | 29.16 | $89207.99 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.018% |  | Alternative | QC Complete | 03/27/2026 |
| 422 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Refinance | 768 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 05/22/2026 |
| 423 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TILA Test Failed - EV R<br> COMMENT: The Final CD shows a funding date of 03/02/XX - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br>Not Resolved 03/XX/2026: Final CD disbursement date 03/XX/2026 and received ROR document Cancel date also 03/XX/2026, Need correct disbursement date.<br>Resolved 03/19/2026: Received disbursement date 03/XX/2026 and exception is cleared. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Borrower Fico score of 737 does not meet the minimum guideline requirement of 740.<br>03/30/2026: Waived: Compensating Factors: LTV: 79.73% FICO: 737, DTI: 36.64, Reserves: $201,000.00<br>\*\*\* (WAIVED) Required Documentation Missing - EV W<br> COMMENT: LTV of 80% does not meet the guideline requirement of minimum LTV of 75%. Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>03/18/2026: Waived Comp factors provided. Minimum FICO: 754 (current score: 737. Maximum DTI: 35% (current DTI: 26.64%), Maximum LTV: 80% (current LTV: 79.734%), Minimum Reserves: $250,000 (current reserves: $201,000) | DTI: 26.58% DTI is less than the maximum guideline requirement of 45.00%.<br>Reserves: The 18 months of available reserves are more than the guideline requirement of 9 months<br>737 exceeds the minimum guideline requirement of 680.<br>DTI of 26.58% is less than the maximum guideline requirement of 50%. | Single Family | XX | 79.520% | 79.520% | Primary | Refinance | 737 | 1.16 | XX | 7.66 | $90771.55 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.581% |  | Alternative | QC Complete | 03/12/2026 |
| 425 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 757 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $13103.50 |  |  | Alternative | QC Complete | 05/18/2026 |
| 426 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Missing tax transcript for the year 2023. Full exception approval is required. The exception approval email is incomplete and is missing detail comp factors.<br> 04/01/2026: Waived Received comp factors: Reduction of P&I payment from $11340 to $7,095. Reserves of $324,000.00 vs $30,000 required. LTV: 56.843. DTI: 27.610 | 70.64 months reserves exceed the minimum guideline of 6 months.<br>LTV of 56.84% is less than the maximum guideline requirement of 75%<br>DTI of 27.61% is less than the maximum guideline requirement of 50%.<br>| PUD | XX | 56.842% | 56.842% | Primary | Refinance | 708 | 1.75 | XX | 10.17 | $36580.33 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.406% |  | Full Documentation | QC Complete | 03/26/2026 |
| 427 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 74.426% | 74.426% | Investor | Refinance | 783 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 05/08/2026 |
| 429 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 734 |  | XX | 2.08 | $15493.40 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.906% | Yes | Alternative | QC Complete | 05/22/2026 |
| 430 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | XX | 65.000% | 65.000% | Investor | Purchase | 802 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/26/2026 |
| 431 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 765 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/12/2026 |
| 433 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 49.020% | 49.020% | Investor | Cash Out | 784 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $2367.40 |  |  | Alternative | QC Complete | 05/12/2026 |
| 434 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 67.200% | 67.200% | Primary | Refinance | 761 | 1 | XX | 3.16 | $145133.08 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 8.414% |  | Alternative | QC Complete | 05/22/2026 |
| 435 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide documentation confirming that the $XX lien with XX has been released.<br>03/31/2026: Countered. Title states to be removed at time of final settlement based on lienholder recording mortgage satisfaction and will not be reflected on final loan policy. However this lien was not reflected as being paid on the final CD signed at closing. Additional proof that lien has been paid and will be released will be needed.<br>04/06/2026: Resolved. Received Certificate and affidavit of satisfaction. |  |  | Single Family | XX | 58.919% | 58.919% | Investor | Cash Out | 761 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $56582.79 |  |  | Alternative | QC Complete | 03/24/2026 |
| 436 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Resolved 05/19/2026: Received Initial Closing Disclosure dated 04/XX/2026 and exception is cleared.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the updated title report reflecting the subject property address, XX, as is it missing.<br> 05/19/2026: Resolved received updated title. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Loan exception comments : 704 FICO vs 720 FICO required for 90% LTV<br>Guidelines, for primary residence purchase loans, the minimum allowed FICO is 720 with an LTV/CLTV of 90%. The borrower's credit FICO is 704, and the LTV/CLTV is 90%, which does not meets the guideline requirements. | 704 exceeds the minimum guideline requirement of 720<br>DTI of 36.97% is less than the maximum guideline requirement of 50%.<br>LTV of 90% is greater than the maximum guideline requirement of 90%.<br>| Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 704 |  | XX | 11.17 | $52379.70 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.970% | No | Alternative | QC Complete | 05/14/2026 |
| 437 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 76.382% | 76.382% | Investor | Cash Out | 770 |  | XX | 16.25 | $64840.18 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $2000.00 | 30.295% |  | Alternative | QC Complete | 03/30/2026 |
| 438 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 60.000% | 60.000% | Primary | Purchase | 680 |  | XX | 8.33 | $16680.36 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.337% | No | Alternative | QC Complete | 05/22/2026 |
| 439 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 40.000% | 40.000% | Primary | Refinance | 804 | 1 | XX | 12.83 | $3910.37 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.991% |  | Alternative | QC Complete | 05/27/2026 |
| 441 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) | XX | 23.276% | 23.276% | Primary | Cash Out | 680 | 0.66 | XX | 25.33 | $14577.86 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $119826.54 | 48.658% |  | Alternative | QC Complete | 05/22/2026 |
| 442 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 78.750% | 78.750% | Primary | Refinance | 712 | 2 | XX | 1.58 | $58865.74 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.912% |  | Alternative | QC Complete | 05/07/2026 |
| 443 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 741 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/22/2026 |
| 444 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: (12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.646% Allowed 7.760% Oevrby +0.886%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 773 |  | XX | 7.25 | $12388.17 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.681% | Yes | Alternative | QC Complete | 05/27/2026 |
| 446 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 774 |  | XX | 30.83 | $8639.76 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.975% | No | Full Documentation | QC Complete | 05/11/2026 |
| 447 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XXdoes not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount with ISAOS Clause.<br> 04/23/2026: Resolved. Received updated title. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: FTHB living rent free for more than 5 years with no history of housing payment<br>Exception approval present | 754 exceeds the minimum guideline requirement of 700<br>DTI of 41.89% is less than the maximum guideline requirement of 50%.<br>LTV of 68% is less than the maximum guideline requirement of 85%. | Single Family | XX | 68.000% | 68.000% | Primary | Purchase | 754 |  | XX | 3.16 | $8749.27 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.886% | Yes | Alternative | QC Complete | 04/16/2026 |
| 449 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Refinance | 782 |  | XX | 5.33 | $340537.29 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.592% |  | Alternative | QC Complete | 05/27/2026 |
| 450 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Refinance | 782 |  | XX | 5.33 | $340537.29 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 22.197% |  | Alternative | QC Complete | 05/27/2026 |
| 455 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX | 80.000% | 80.000% | Investor | Purchase | 756 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/08/2026 |
| 458 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Secondary | Purchase | 786 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/27/2026 |
| 461 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Business formation document (active status) missing for both businesses "XX".<br> 04/03/2026: Resolved. Received Entity good standing document.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of HOA document for Property address "XX"<br>03/31/2026: Resolved. Received proof of no HOA |  |  | Single Family | XX | 69.710% | 69.710% | Primary | Refinance | 773 | 1.58 | XX | 4.83 | $32887.14 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.769% |  | Alternative | QC Complete | 03/25/2026 |
| 463 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The coverage amount of $XX on the title report is less than the mortgage loan amount of $XX. Provide a copy of the Title Supplement reflecting coverage for the full loan amount.<br>03/25/2026: Resolved: Received updated title.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of updated Lease agreement for the property address : XX.<br>03/31/2026: Countered. The letter provided is not an updated lease signed by the tenant and landlord. It is a letter of Attornment. An updated lease signed by the tenant and landlord will be needed.<br>04/03/2026: Resolved. Received Attornment and copy of lease. |  |  | 2 Family | XX | 79.000% | 79.000% | Investor | Cash Out | 766 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $679.25 |  |  | Alternative | QC Complete | 03/13/2026 |
| 465 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing Business Purpose Affidavit.<br> 04/22/2026: Resolved. Received Business Purpose and Occupancy Affidavit. |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 804 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/08/2026 |
| 469 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 763 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $27692.49 |  |  | Alternative | QC Complete | 05/08/2026 |
| 474 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the VOM for the property located at XX to verify the payment history.<br> 04/01/2026: Countered. A VOM or credit supplement is needed. The document provided was just a mortgage statement.<br> 04/06/2026: Countered. The borrowers are owners of the company the XX. A VOM is needed.<br> 04/14/2026: resolved. The Drive report doesn't show anything for XX being in the borrower's personal name. nor does the MERS Report. the billing statement provided shows in the business name |  |  | Single Family | XX | 70.946% | 70.946% | Investor | Cash Out | 768 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $80323.18 |  |  | Alternative | QC Complete | 03/25/2026 |
| 475 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 733 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/12/2026 |
| 477 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 783 |  | XX | 4.16 | $10837.15 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.895% | No | Alternative | QC Complete | 04/10/2026 |
| 478 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 61.905% | 61.905% | Primary | Refinance | 737 | 2 | XX | 5.83 | $15074.49 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.036% |  | Alternative | QC Complete | 05/08/2026 |
| 480 | XX | XX |  | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: 719 vs 720 FICO needed<br>Exception approval present | 719 exceeds the minimum guideline requirement of 700<br>LTV of 74.29 % is less than the maximum guideline requirement of 85%.<br>6 months reserves exceed the minimum guideline of 3 months.<br>| PUD | XX | 74.286% | 74.286% | Investor | Purchase | 719 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/08/2026 |
| 481 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 65.000% | 65.000% | Investor | Cash Out | 730 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $97656.73 |  |  | Alternative | QC Complete | 05/08/2026 |
| 482 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 42.553% | 42.553% | Primary | Cash Out | 723 | 3.25 | XX | 3.5 | $10245.33 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $37738.90 | 49.373% |  | Alternative | QC Complete | 05/12/2026 |
| 484 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of proposed Lender's coverage on the Title Commitment is less than the loan amount. The document reflects coverage in the amount of $XX, however, the Note reflects a loan amount of $XX.<br> 05/14/2026: Resolved. Received updated title.<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Resolved 05/13/2026: Received Initial Closing Disclosure dated 04/08/2026 and exception is cleared.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing.<br> 05/13/2026: Resolved. Received Business Purpose & Occupancy Affidavit. |  |  | 2 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 804 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $160621.69 |  |  | Alternative | QC Complete | 05/08/2026 |
| 486 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 70.000% | 70.000% | Primary | Purchase | 787 |  | XX | 3.83 | $15248.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.179% | No | Alternative | QC Complete | 05/08/2026 |
| 487 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 85.000% | 85.000% | Primary | Purchase | 736 |  | XX | 2.92 | $70818.13 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.853% | No | Alternative | QC Complete | 05/15/2026 |
| 488 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Borrower does not meet two years self employment with 25% ownership interest in a business. <br>A copy of an exception approval letter is available in the loan file. | LTV: 55.00% LTV is less than the guideline requirement of 80.00%.<br>FICO: 740 FICO exceeds the guideline requirement of 700.<br>DTI: 4.34% DTI is less than the maximum guideline requirement of 50.00%. | Single Family | XX | 55.000% | 55.000% | Primary | Cash Out | 740 | 13.08 | XX | 19.08 | $52321.24 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $62323.70 | 4.335% |  | Alternative | QC Complete | 06/08/2026 |
| 489 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Loan scorecard 1st page is missing, provide a copy of updated loan scorecard.<br> 05/14/2026: Resolved. Received Loanscore card. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Refinance | 740 | 11.58 | XX | 13.25 | $18333.48 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.399% |  | Alternative | QC Complete | 05/08/2026 |
| 492 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide an updated Deed of Trust (DOT) resolve the trust name discrepancy, as the Note and Trust documents the Trustee name reflecting 'XX' and Deed of Trust (DOT) document reflecting 'XX, there is a mismatch in the middle name.<br> 05/15/2026; Resolved. Received corrected DOT |  |  | High Rise Condo (>=9 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 784 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 04/29/2026 |
| 493 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide Supporting document for housing expense $60.76<br>05/20/2026: Countered. The signed CD shows the taxes at $267.90 per month for the taxes which is the amount listed on the final 1008. No proof of increased taxes were provided. Will need supporting documentation for the increase in real estate taxes to cover the additional $60.76.<br>05/22/2026: Received property tax certificate. |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 758 |  | XX | 6.42 | $9157.35 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.053% | No | Alternative | QC Complete | 05/08/2026 |
| 494 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 85.000% | 85.000% | Primary | Purchase | 744 |  | XX | 4.83 | $28709.30 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 19.704% | Yes | Alternative | QC Complete | 05/12/2026 |
| 496 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 728 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/12/2026 |
| 498 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX<br>03/27/2026: Resolved. Received updated title.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.999% Allowed 7.480% Overby +0.519%.<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of assets documents to cover the required reserves of $11,625.78<br>03/30/2026: Countered. Need an actual exception form completed with compensating factors.<br> 04/03/2026: Resolved. Guidelines state that Rate/Term refinance transactions do not require reserves if the loan amount is < $1.5M, it's a primary residence, the mortgage history is 0x30x12, te subject property hosuing payment is decreasing, and borrower does not have a prior bankruptcy, foreclosure, shortsale, DIL, preforeclosure, or ortgage charge-off. |  |  | Single Family | XX | 84.361% | 84.361% | Primary | Refinance | 706 | 1.33 | XX | 9.16 | $18395.63 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.523% |  | Alternative | QC Complete | 03/25/2026 |
| 499 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 44.444% | 44.444% | Primary | Purchase | 676 |  | XX | 51.83 | $4396.18 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.905% | Yes | Full Documentation | QC Complete | 05/13/2026 |
| 504 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br> 04/08/2026: Resolved. Received updated title. |  |  | Single Family | XX | 64.286% | 64.286% | Primary | Cash Out | 751 | 2 | XX | 15.08 | $53856.25 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $218389.74 | 31.212% |  | Alternative | QC Complete | 03/12/2026 |
| 506 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 763 |  | XX | 0.5 | $36433.16 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.416% | No | Full Documentation | QC Complete | 06/08/2026 |
| 507 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide an updated Loan scorecard with 1st page as it is missing<br> 04/01/2026: Resolved. Received Loanscore card<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide supporting document for the liabilities as it is missing.<br>XX<br>04/03/2026: Resolved; Received loe that states The XX statement shows that this is an open account and also a revolving account. the open account is for $3,485.93 which is listed and we have enough assets to cover this balance. The full payment that is due is $5,273.96 which is the open balance of $3,485.93 and the revolving payment of $1,788.03 which shows $1,789.00 in our system and being hit in ratios. for the XX of a monthly payment of $155, this is showing on the credit report with a balance of $3,090 and we used 5% of balance to qualify. |  |  | Single Family | XX | 58.438% | 58.438% | Primary | Cash Out | 742 | 0.75 | XX | 14.42 | $21710.17 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $124846.32 | 47.438% |  | Alternative | QC Complete | 03/26/2026 |
| 509 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.850% Allowed 7.480% Overby+1.370%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 723 |  | XX | 6.75 | $12724.73 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.474% | No | Alternative | QC Complete | 04/17/2026 |
| 512 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX | 70.313% | 70.313% | Investor | Cash Out | 732 |  | XX | 13.92 | $102163.30 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $272705.79 | 15.899% |  | Alternative | QC Complete | 05/07/2026 |
| 513 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of LOX for the liability account TXX, excluded in DTI Calculation.<br>Resolved: Received LOX stating the XX and XX credit cards were paid off and there are current credit card statements in the file reflecting zero balance. The XX was a cargeoff.24 months. |  |  | Single Family | XX | 30.600% | 30.600% | Primary | Cash Out | 673 | 23 | XX | 6.25 | $4829.77 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $13191.17 | 44.664% |  | Alternative | QC Complete | 04/27/2026 |
| 515 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 65.000% | 65.000% | Investor | Cash Out | 770 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $136638.04 |  |  | Alternative | QC Complete | 04/02/2026 |
| 519 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Secondary | Purchase | 784 |  | XX | 4.08 | $141548.76 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.273% | No | Alternative | QC Complete | 05/12/2026 |
| 521 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The executed 1-4 Family Rider is missing; the copy in the file is not signed.<br> 04/21/2026: Resolved. Received 1-4 rider |  |  | Single Family | XX | 74.548% | 74.548% | Investor | Cash Out | 766 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $114242.72 |  |  | Alternative | QC Complete | 04/15/2026 |
| 522 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 74.375% | 74.375% | Investor | Refinance | 704 |  | XX | 4.91 | $64716.09 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 12.475% |  | Alternative | QC Complete | 05/13/2026 |
| 526 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 749 | 6.33 | XX | 12.25 | $11832.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $71764.74 | 48.983% |  | Alternative | QC Complete | 05/14/2026 |
| 527 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of tax certificate or tax info for subject property to verify the monthly tax amount of $1,490.27 as it is missing.<br>03/25/2026: Countered: A copy of the actual tax certificate or tax information from the title company is needed to verify the tax amount of $1,490.27.<br>04/03/2026: Resolved. Received Used last years invoice, closing corp smart fees transaction detail and calculated taxes without giving them exemptions. |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 721 |  | XX | 5.58 | $45402.50 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.506% | No | Full Documentation | QC Complete | 03/12/2026 |
| 532 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br> 04/01/2026: Resolved. Received updated title. |  |  | Single Family | XX | 59.880% | 59.880% | Primary | Cash Out | 731 | 3.08 | XX | 2.83 | $344111.98 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $193063.21 | 1.215% |  | Alternative | QC Complete | 03/26/2026 |
| 533 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 36.699% | 36.699% | Secondary | Cash Out | 666 |  |  |  | $9237.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $37567.13 | 47.377% |  | Alternative | QC Complete | 05/08/2026 |
| 537 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 75.000% | 75.000% | Investor | Purchase | 730 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/08/2026 |
| 538 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX | 70.000% | 70.000% | Investor | Purchase | 756 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/08/2026 |
| 540 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide a copy of CDA as it is missing<br> 04/21/2026: Resolved. No CDA required. 2 full appraisals were used.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of 1 month consecutive Bank statement of XX which is missing<br> 04/20/2026: Resolved. Received January 1-February 28, 2026 statement. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 780 |  | XX | 6.5 | $14925.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.488% | Yes | Full Documentation | QC Complete | 04/15/2026 |
| 541 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing.<br>04/30/2026: Resolved. Received Business Purpose & Occupancy Affidavit.<br>\*\*\* (CURED) Subject or Comp Photos are missing or illegible - EV R<br> COMMENT: Rent comparable photos are missing from the loan package. Provide photos of all rent comparables listed in the appraisal.<br>05/11/2026: Resolved. Received rent comp photos |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 766 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 04/28/2026 |
| 542 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 769 |  | XX | 8.08 | $23903.76 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.335% | Yes | Alternative | QC Complete | 04/02/2026 |
| 544 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the receipt or supporting documentation for payment of $1,235.00 for property #XX (e.g., property tax, hazard insurance, or HOA dues).<br>05/21/2026: Resolved. Received proof of HOA |  |  | Single Family | XX | 60.000% | 60.000% | Primary | Cash Out | 666 |  | XX | 2.66 | $29099.05 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $654542.18 | 40.677% |  | Alternative | QC Complete | 05/08/2026 |
| 547 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 721 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $92398.95 |  |  | Alternative | QC Complete | 05/13/2026 |
| 548 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 794 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.960% | No | Alternative | QC Complete | 05/12/2026 |
| 551 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 763 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 04/02/2026 |
| 552 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of proof document for Net rental income $3,900 for the subject property XX.<br>04/23/2026: Resolved. Received the following LOE form 1025 reflects market rents of $6,000 for unit 1 and $5,500 for unit 2. UW utilized the lower - supported market rent of $5,5-- amd applied 75% rent factor, resulting in net qualifing rental income of $4,125 for the additional unit. this is a 2-unit owner-occupied purchase; appraisal-supported market rent is permitted when no lease is in place, rental income is included in income, and PITIA is included as a liability for 2-4 unit OO propertied. guideline support: section 8A.6(f)(v)-(vi), p. 112. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Using 90% of the XX business bank account vs Max 75% of lender guideline.<br>Exception Approval present.<br> 04/23/2026: countered. Received a copy of appraisal. What is needed is Using 90% of the XX business bank account vs Max 75% of lender guideline.<br>Exception Approval present. | 808 exceeds the minimum guideline requirement of 720<br>19.759 months reserves exceed the minimum guideline of 3 months.<br>DTI of 48.74% is less than the maximum guideline requirement of 50%. | 2 Family | XX | 68.944% | 68.944% | Primary | Purchase | 808 |  | XX | 9.75 | $82966.68 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.716% | No | Alternative | QC Complete | 04/13/2026 |
| 553 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 49.213% | 49.213% | Investor | Cash Out | 694 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $83330.40 |  |  | Alternative | QC Complete | 03/27/2026 |
| 555 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of the title supplement report to cover the loan amount, The amount of title insurance $XX does not cover the loan amount $XX.<br> 05/14/2026: Resolved. Received updated title.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide the business bank statements for XX account #XX for the period from 1/1/2026 to 1/31/2026, reflecting an ending balance of $20,820.07, to verify the assets.<br>05/13/2026: Resolved. Received statement dated 02/14/2026 with balance of $496,902.69 |  |  | Single Family | XX | 73.529% | 73.529% | Primary | Purchase | 712 |  | XX | 14.18 | $21645.79 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.389% | No | Alternative | QC Complete | 05/08/2026 |
| 556 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 64.190% | 64.190% | Primary | Cash Out | 697 | 24.5 | XX | 16 | $22643.02 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $113735.55 | 19.027% |  | Alternative | QC Complete | 05/08/2026 |
| 560 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 73.833% | 73.833% | Investor | Refinance | 768 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 05/08/2026 |
| 562 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Title issue - EV R<br> COMMENT: The title report reflects the title company name as XX, while the Closing Protection Letter and Final Closing Disclosure reflect the title company name as XX. Provide an explanation for the discrepancy in the title company name or an updated title report.<br>04/21/2026: Resolved. Received updated title |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Refinance | 728 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 03/13/2026 |
| 567 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 793 |  | XX | 2.25 | $16614.99 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.794% | Yes | Alternative | QC Complete | 05/11/2026 |
| 568 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 742 | 16.66 |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/11/2026 |
| 570 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: The borrower's government-issued ID expired on 01/XX/2023 prior to the closing XX 03/13/2026. Provide a valid, unexpired government ID.<br> 04/01/2026: Resolved. Received valid ID |  |  | Single Family | XX | 69.767% | 69.767% | Primary | Cash Out | 728 | 1.5 | XX | 6.58 | $52757.15 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $58498.92 | 11.906% |  | Alternative | QC Complete | 03/26/2026 |
| 571 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.154% Allowed 7.800% Overby +0.354%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 742 |  | XX | 10.75 | $16728.54 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.364% | No | Alternative | QC Complete | 05/11/2026 |
| 575 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 780 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/08/2026 |
| 577 | XX | XX |  | XX | XX | Not Covered/Exempt | 4 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Original LTV (OLTV) does not meet eligibility requirement(s) - EV W<br> COMMENT: Original LTV is 80% exceeds the maximum guidelines LTV 75%.<br>4/7/2026 Waived. Received comp factors. 38% DTI compared to guideline max of 50%. 778 FICO compared to guideline minimum of 720. $101,000 in excess reserves over guideline requirement. | 38% DTI compared to guideline max of 50%.<br> 778 FICO compared to guideline minimum of 720. <br> $101,000 in excess reserves over guideline requirement. | Single Family | XX | 80.000% | 80.000% | Investor | Cash Out | 778 |  | XX | 7.16 | $155311.04 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $178135.90 | 38.383% |  | Alternative | QC Complete | 03/26/2026 |
| 578 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 710 | 0.5 | XX | 6.58 | $36065.63 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $108219.00 | 32.207% |  | Alternative | QC Complete | 05/11/2026 |
| 583 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 85.000% | 85.000% | Primary | Refinance | 730 | 0.83 | XX | 3.92 | $15305.16 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 24.573% |  | Alternative | QC Complete | 05/13/2026 |
| 588 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Secondary | Purchase | 782 |  | XX | 3.75 | $29361.47 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.247% | No | Alternative | QC Complete | 06/08/2026 |
| 590 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of Title supplement with sufficient insurance to cover the loan amount.<br> 04/08/2026: Resolved. Received updated title. |  |  | Low Rise Condo (1-4 Stories) | XX | 61.631% | 61.631% | Primary | Refinance | 756 | 2.58 | XX | 2.16 | $14698.82 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.603% |  | Alternative | QC Complete | 06/08/2026 |
| 592 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 38.923% | 38.923% | Primary | Refinance | 788 | 11.08 | XX | 6.33 | $211009.11 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 5.537% |  | Alternative | QC Complete | 05/11/2026 |
| 593 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 74.074% | 74.074% | Primary | Purchase | 781 |  | XX | 0.08 | $11666.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.829% | No | Full Documentation | QC Complete | 05/12/2026 |
| 595 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 64.555% | 64.555% | Investor | Cash Out | 738 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $311779.32 |  |  | Alternative | QC Complete | 05/08/2026 |
| 597 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Resolved 04/20/2026: Received Initial Closing Disclosure dated 03/23/2026 and exception is cleared. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 791 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 04/16/2026 |
| 598 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) The Appraisal License is Missing - EV R<br> COMMENT: Provide a copy of updated appraisal license, as it is missing.<br>04/20/2026; Resolved. Received appraisers license.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of revised Mortgage/Deed of Trust with Correct vesting (ownership). Note reflects 2 borrower (XX<br> 04/28/2026: Resolved. received LOE stating that the co-borrower in not in vesting because the property is not their primary residence. They are not required to be in vesting. |  |  | 2 Family | XX | 80.000% | 80.000% | Primary | Purchase | 775 |  | XX | 2 | $25044.93 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.490% | Yes | Alternative | QC Complete | 04/15/2026 |
| 601 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX | 80.000% | 80.000% | Investor | Purchase | 720 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/05/2026 |
| 602 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 804 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/12/2026 |
| 603 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 78.947% | 78.947% | Primary | Purchase | 767 |  | XX | 9.83 | $67804.74 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 19.940% | Yes | Alternative | QC Complete | 05/14/2026 |
| 605 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 747 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/12/2026 |
| 608 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: Provide documentation confirming that XX is owned free and clear, along with the purchase date to verify seasoning. Current VOR covers only 3 months and is insufficient. Insurance lists XX as mortgagee—confirm the loan is paid in full and provide a VOM showing the account as closed.<br>05/05/2026: Resolved: Property is n ot owned free and clear. XX is still open and referenced on credit report with reporting through 01/26 that was opened 4/25/2023. Credit supplement is in file to support account still open and has a $0 balance with no payment as of 03/25/2026. VOR is in file to support rental payment history from when brw started renting through current. |  |  | Low Rise Condo (1-4 Stories) | XX | 50.024% | 50.024% | Secondary | Purchase | 793 | 0.25 | XX | 0.3 | $24583.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 11.782% | No | Full Documentation | QC Complete | 06/08/2026 |
| 609 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 750 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/15/2026 |
| 611 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of Title Supplemental Report to cover the loan amount $XX<br> 04/21/2026: Resolved. Updated title provided. |  |  | Single Family | XX | 69.716% | 69.716% | Primary | Purchase | 774 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 04/15/2026 |
| 612 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 48.780% | 48.780% | Investor | Cash Out | 742 |  | XX | 3.75 | $6525.04 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $195085.92 | 31.628% |  | Full Documentation | QC Complete | 11/13/2025 |
| 613 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) LOE - EV R<br> COMMENT: Provide a copy of the LOE for the REO located at XXfor no HOA due.<br> Resolved: 04/20/2026. received evidence of no HOA |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 704 |  | XX | 9 | $237995.49 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 4.128% | No | Alternative | QC Complete | 06/08/2026 |
| 617 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 52.273% | 52.273% | Investor | Cash Out | 689 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $50278.98 |  |  | Alternative | QC Complete | 05/08/2026 |
| 621 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 68.571% | 68.571% | Investor | Purchase | 716 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/18/2026 |
| 622 | XX | XX |  | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: XX 1 year 1099 product - borrower files 1120S<br>Exception approval present. | Credit score: Borrower FICO 785 is greater than minimum guideline FICO 720.<br>DTI: Subject DTI 42% is less than guideline maximum DTI 50%.<br>Reserves: Borrower has surplus reserves of $34,407.82. | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 785 |  |  | 8.91 | $14115.93 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.713% | No | Alternative | QC Complete | 05/11/2026 |
| 624 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The first page of the loan scorecard is missing. Provide a copy of the updated loan scorecard.<br> 05/15/2026: Resolved. Received copy of LoanScorecard. |  |  | PUD | XX | 80.000% | 80.000% | Primary | Cash Out | 762 | 2.18 | XX | 9.25 | $39523.59 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $74260.88 | 42.037% |  | Alternative | QC Complete | 05/12/2026 |
| 625 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy updated Title Report to cover the loan amount $XX<br> 05/14/2026: Resolved. Received updated title. |  |  | 3 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 767 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $60442.44 |  |  | Alternative | QC Complete | 05/08/2026 |
| 630 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Refinance | 722 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 05/12/2026 |
| 631 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.590% Allowed 7.620% Overby +0.970%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a supporting document for the gift amount $3,900<br>05/085/2026: Resolved. Received a LOX stating per the underwriter this gift was an input error for the down payment. No gift funds were uses. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 652 |  | XX | 7.25 | $11817.12 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.202% | Yes | Alternative | QC Complete | 04/28/2026 |
| 632 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 755 |  | XX | 5.25 | $21784.37 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.599% | Yes | Alternative | QC Complete | 05/12/2026 |
| 636 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 70.000% | 70.000% | Investor | Purchase | 727 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 05/12/2026 |
| 637 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 73.333% | 73.333% | Primary | Purchase | 795 |  | XX | 38.16 | $26831.92 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.953% | No | Alternative | QC Complete | 03/25/2026 |
| 638 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Intent to Proceed Missing - EV R<br> COMMENT: Missing Intent to Proceed.<br>Resolved 05/18/2026: Received Intent to proceed document dated 04/01/2026 and exception is cleared. |  |  | 2 Family | XX | 85.000% | 85.000% | Primary | Purchase | 773 |  | XX | 4.33 | $21688.60 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.906% | No | Alternative | QC Complete | 05/13/2026 |
| 642 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 29.841% | 29.841% | Primary | Refinance | 776 | 2 | XX | 20.25 | $7767.92 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.194% |  | Alternative | QC Complete | 05/14/2026 |
| 643 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 70.000% | 70.000% | Investor | Cash Out | 793 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $470662.83 |  |  | Alternative | QC Complete | 05/15/2026 |
| 645 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of Supplemental report of title. Amount of title insurance is not sufficient to cover the loan amount.<br> 05/07/2026: Resolved. Received updated title. |  |  | 2 Family | XX | 51.763% | 51.763% | Primary | Refinance | 736 | 2 | XX | 7.66 | $16095.25 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.845% |  | Alternative | QC Complete | 04/30/2026 |
| 647 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Coverage amount $XX on the title report is less than the loan amount of $XX. Provide a copy of updated title supplement to cover the loan amount.<br>05/19/2026: Resolved received updated title. |  |  | Single Family | XX | 73.482% | 73.482% | Primary | Cash Out | 711 | 3.66 | XX | 1.25 | $40490.05 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $32.88 | 10.866% |  | Alternative | QC Complete | 04/28/2026 |
| 648 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: Guidelines require a minimum of three tradelines with at least 12 months of payment history. The credit report reflects only two tradelines reporting for 12 months, which does not meet guideline requirements.<br> 05/19/2026: Resolved. Guidelines state •  Two (2) open tradelines are acceptable if both tradelines are:<br> o<br> Open for the most recent twenty-four (24) months prior to the application date, and<br> o<br> Both tradelines have activity in the past twelve (12) months from the application date. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 794 | 1 | XX | 24.25 | $5333.08 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $46592.83 | 35.515% |  | Alternative | QC Complete | 05/11/2026 |
| 649 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 697 |  | XX | 2.5 | $38769.76 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.828% | No | Alternative | QC Complete | 05/13/2026 |
| 656 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 764 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $19564.92 |  |  | Alternative | QC Complete | 05/11/2026 |
| 657 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 40.323% | 40.323% | Primary | Cash Out | 682 | 9 | XX | 19.25 | $10584.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $74038.12 | 44.043% |  | Alternative | QC Complete | 04/20/2026 |
| 660 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Coverage amount $XX on the title report is less than the mortgage loan amount of $XX. Provide a copy of Title supplement to cover the loan amount.<br>03/30/2026: Resolved. Received updated title |  |  | PUD | XX | 75.000% | 75.000% | Investor | Refinance | 742 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 03/24/2026 |
| 666 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 69.032% | 69.032% | Investor | Cash Out | 669 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $603.08 |  |  | Alternative | QC Complete | 03/31/2026 |
| 668 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test:Charged 8.489% Allowed 7.620% Overby +0.869%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX | 44.776% | 44.776% | Primary | Purchase | 653 |  | XX | 7.08 | $15491.03 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.707% | No | Alternative | QC Complete | 05/13/2026 |
| 669 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: TRID violation due to Appraisal fee increase on Final CD dated 04/XX/2026. Initial LE dated 04/XX/2026 reflects Appraisal fee as $525.00 however, revised LE dated 04/16/2026 reflects the Appraisal fee as $675.00. Require PCCD/COC to cure the tolerance violation of $150.00.<br>Resolved 05/18/2026: Received COC dated 04/XX/2026 and exception is cleared.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.167% Allowed 7.930% Overby +0.237%<br>This loan is compliant with regulation 1026.35. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Proceeding with a borrower who is living rent free for more than 12 months from the application date. <br>Exception Approval Present. | Low DTI : DTI of 35.70% is less than the maximum guideline requirement of 50%.<br>LTV of 85% is Satisfy the maximum guideline requirement of 85%.<br>Reserve : 13.841 months reserves exceed the minimum guideline of 3 months. | Low Rise Condo (1-4 Stories) | XX | 85.000% | 85.000% | Primary | Purchase | 705 |  | XX | 1 | $14166.66 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  | 35.260% | Yes | Full Documentation | QC Complete | 05/13/2026 |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

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| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| 12 | XX | XX |  | XX | Ohio | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | 42MBHH2VGVX-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | According to the guidelines, a minimum of two (2) months of bank statements is required for the accounts listed below. However, only one month of statements has been provided in the loan package. "XX" and "XX."<br>03/XX/2026: Not Resolved. The statement that is needed is for XX.<br> 03/XX/2026: Countered. The only assets listed on the 1003 are for XX and XX so that would be the assets we need to verify.<br> 04//XX/2026: Countered. The final 1003 indicates the assets being used are from XX The only documentation provided for those accounts were a blend report from 09/XX/2025. 2 months bank statements are required per the guidelines. One additional current bank statement is needed for these accounts listed on the final 1003.<br> 4/XX/2025 Resolved. Bank statements provided show a time stamp of when they were pulled which was prior to loan closing. Two months was reviewed and adhered to guidelines. | 4/XX/2025 Resolved. Bank statements provided show a time stamp of when they were pulled which was prior to loan closing. Two months was reviewed and adhered to guidelines. | 4/23/2025 Resolved. Bank statements provided show a time stamp of when they were pulled which was prior to loan closing. Two months was reviewed and adhered to guidelines. |  |  | QC Complete | 02/25/2026 | 04/23/2026 | 04/23/2026 | 02/24/2026 |
| 28 | XX | XX |  | XX | South Dakota | XX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | ZJ4AL2WWZUO-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | Provided Collateral Desktop Analysis (CDA) reflects an incorrect loan number (#XX) instead of the subject property loan number (#XX). Provided a copy of updated Collateral Desktop Analysis (CDA) to reflect the correct loan number.<br> 04/XX/2026: Resolved. The clients loan number is acceptable. | 04/XX/2026: Resolved. The clients loan number is acceptable. | 04/18/2026: Resolved. The clients loan number is acceptable. |  |  | QC Complete | 04/14/2026 | 04/16/2026 | 04/16/2026 | 04/13/2026 |
| 28 | XX | XX |  | XX | South Dakota | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | ZJ4AL2WWZUO-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide supporting documentation or a credit supplement for the newly reported debt account,XX<br> 04/XX/2026: Resolved. Received a copy of the Note, Disclosure and Security Agreement. | 04/XX/2026: Resolved. Received a copy of the Note, Disclosure and Security Agreement. | 04/22/2026: Resolved. Received a copy of the Note, Disclosure and Security Agreement. |  |  | QC Complete | 04/14/2026 | 04/22/2026 | 04/22/2026 | 04/10/2026 |
| 31 | XX | XX |  | XX | Massachusetts | XX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | L4E2LDB3JXJ-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | Provided Collateral Desktop Analysis (CDA) reflects an incorrect loan number (#XX) instead of the subject property loan number (#XX). Provided a copy of updated Collateral Desktop Analysis (CDA) to reflect the correct loan number.<br> 04/XX/2026: Resolved. The clients loan number is acceptable. | 04/XX/2026: Resolved. The clients loan number is acceptable. | 04/16/2026: Resolved. The clients loan number is acceptable. |  |  | QC Complete | 04/13/2026 | 04/16/2026 | 04/16/2026 | 04/13/2026 |
| 31 | XX | XX |  | XX | Massachusetts | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Assets Insufficient | L4E2LDB3JXJ-RDQHOAL4 | Resolved | 3 | R | \* Assets are not sufficient to close (Lvl R) | The total verified assets of $13,832.07 are insufficient to meet the six-month reserve requirement. After subtracting the cash-to-close amount of $47,963.81, the remaining assets total $0.00. This falls $44,684.94 short of the required cash to close and reserves of $58,517.01.<br>05/XX/2026: Countered. Only received a 1003. Need proof of additional assets totaling $58,517.01.<br>5/XX/2026 Resolved. Received settlement statement from a simultaneous closing on another property owned with $99,155.70 cash out to borrower which covered cash to close and reserves. | 5/XX/2026 Resolved. Received settlement statement from a simultaneous closing on another property owned with $99,155.70 cash out to borrower which covered cash to close and reserves. | 5/13/2026 Resolved. Received settlement statement from a simultaneous closing on another property owned with $99,155.70 cash out to borrower which covered cash to close and reserves. |  |  | QC Complete | 04/13/2026 | 05/13/2026 | 05/13/2026 | 04/10/2026 |
| 33 | XX | XX |  | XX | Georgia | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 1312JR1CWGF-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide the required third party employment verification CPA letter that documents date of business inception and borrowers ownership percentage. In addition, please provide verification of the preparer's CPA license. (business "XX")<br>03/XX/2026: Not resolved. A business search is not one of the documents allowed for third party verification. All other self-employed borrowers:<br> Verify from CPA or licensed tax preparer (with PTIN), or<br> Business Formation Documents (Articles of Incorporation, Bylaws, Charter, Articles of Association) filed with the applicable state and one of the following to verify the borrower's ownership percentage: Operating Agreement/Partnership Agreement; or<br> · IRS Employment Identification Number (EIN) letter documenting the borrower's percentage of ownership in the business; or<br> · Stock Certificate or other acceptable corporate documentation verifying the number of shared owned by the borrower and documentation confirming the total number of shared issued and outstanding (Corporation).<br> 05/XX/2026: Resolved. Received 2024 K-1 showing 100% ownership | 05/XX/2026: Resolved. Received 2024 K-1 showing 100% ownership | 05/13/2026: Resolved. Received 2024 K-1 showing 100% ownership |  |  | QC Complete | 03/10/2026 | 05/13/2026 | 05/13/2026 | 03/10/2026 |
| 34 | XX | XX |  | XX | North Carolina | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | QTGHJNLUYRH-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide copies of missing bank statements for XX For account ending in #XX, 'August 2025, February 2025, October 2024' and account #XX 'August 2025, July 2025, May 2025, November 2024, August 2024, May 2024'.<br>04/XX/2026: Resolved. Received bank statements. | 04/XX/2026: Resolved. Received bank statements. | 04/22/2026: Resolved. Received bank statements. |  |  | QC Complete | 04/14/2026 | 04/22/2026 | 04/22/2026 | 04/10/2026 |
| 36 | XX | XX |  | XX | Oklahoma | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | AG02ARQ03U0-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated insurance with mortgage clause ISAOA/ATIMA<br>05/XX/2026: Resolved. policy already has mortgagee clause ISAOA/ATIMA. | 05/XX/2026: Resolved. policy already has mortgagee clause ISAOA/ATIMA. | 05/07/2026: Resolved. policy already has mortgagee clause ISAOA/ATIMA. |  |  | QC Complete | 05/05/2026 | 05/07/2026 | 05/07/2026 | 05/05/2026 |
| 40 | XX | XX |  | XX | South Carolina | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit |  | 4PYD3FY0NRZ-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Provided master policy is expired on 03/XX/2026. provide a copy of updated master policy<br>04/XX/2026: Countered: The MASTER insurance policy provided on page 892 with XXexpired on 03/XX/2025. A copy of the unexpired policy is needed.<br>04/XX/2026: Resolved. When units located within a PUD are covered by individual property insurance policies maintained by their respective owner(s), the lender or servicer is not required to verify master property insurance coverage on PUD common elements. | 04/XX/2026: Resolved. When units located within a PUD are covered by individual property insurance policies maintained by their respective owner(s), the lender or servicer is not required to verify master property insurance coverage on PUD common elements. | 04/21/2026: Resolved. When units located within a PUD are covered by individual property insurance policies maintained by their respective owner(s), the lender or servicer is not required to verify master property insurance coverage on PUD common elements. |  |  | QC Complete | 05/11/2026 | 05/11/2026 | 05/11/2026 | 05/11/2026 |
| 41 | XX | XX |  | XX | Washington D.C. | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | FID1J2ZLA5D-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide business bank statement (XX) for the month of April 2025 & October 2025 as they are missing.<br> 05/XX/2026: Resolved. Received bank statements. | 05/XX/2026: Resolved. Received bank statements. | 05/22/2026: Resolved. Received bank statements. |  |  | QC Complete | 05/19/2026 | 05/22/2026 | 05/22/2026 | 05/19/2026 |
| 41 | XX | XX |  | XX | Washington D.C. | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | FID1J2ZLA5D-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide the Condominium Seller Disclosure for the XX evidencing the seller's approval to pay the special assessment for the new roof in the amount of $271.80, with 40 payments remaining.<br>5/XX/2026: Incorrect condition. Page 2 of the condominium seller Disclosure states that the seller agrees to pay, at the time of settlement, any special assessments unless otherwise agreed herein. | 5/XX/2026: Incorrect condition. Page 2 of the condominium seller Disclosure states that the seller agrees to pay, at the time of settlement, any special assessments unless otherwise agreed herein. | 5/22/2026: Incorrect condition. Page 2 of the condominium seller Disclosure states that the seller agrees to pay, at the time of settlement, any special assessments unless otherwise agreed herein. |  |  | QC Complete | 05/19/2026 | 05/22/2026 | 05/22/2026 | 05/19/2026 |
| 42 | XX | XX |  | XX | California | XX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | LHH0WWXEZUB-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | XX reporting 4x120 in 2024 however loan was paid off in July 2022. See release of mortgage. Customer has previously disputed but creditor states its resolved. File has been submitted for non-delegated underwriting.<br>Exception approval present. |  |  | 6.187 months reserves exceed the minimum guideline of 3 months.<br>DTI of 30.45% is less than the maximum guideline requirement of 50%.<br>716 exceeds the minimum guideline requirement of 680<br>|  | QC Complete | 04/14/2026 |  |  | 04/11/2026 |
| 42 | XX | XX |  | XX | California | XX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Doc Issue | LHH0WWXEZUB-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of updated Title Supplement report with loan amount $XX.<br> 04/XX/2026: Resolved. Received updated title. | 04/XX/2026: Resolved. Received updated title. | 04/23/2026: Resolved. Received updated title. |  |  | QC Complete | 04/14/2026 | 04/23/2026 | 04/23/2026 | 04/11/2026 |
| 43 | XX | XX |  | XX | Massachusetts | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | ZIZ0FHFGDJD-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of personal tax returns document with Schedule E page #1 as it is missing.<br> 04/XX/2026: Countered. The top of the document in question states page 2. No page 1 was provided.<br> 4/XX/2026: Resolved. Page 1 not required as there is no rent and page 2 shows all income from Schedule E. | 4/XX/2026: Resolved. Page 1 not required as there is no rent and page 2 shows all income from Schedule E. | 4/27/2026: Resolved. Page 1 not required as there is no rent and page 2 shows all income from Schedule E. |  |  | QC Complete | 04/14/2026 | 04/27/2026 | 04/27/2026 | 04/13/2026 |
| 46 | XX | XX |  | XX | South Carolina | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | QOB42RKL2G5-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an updated government ID, as the borrower's provided ID for XXhas expired.<br> 05/XX/2026: Resolved. Received copy of valid passport. | 05/XX/2026: Resolved. Received copy of valid passport. | 05/28/2026: Resolved. Received copy of valid passport. |  |  | QC Complete | 05/19/2026 | 05/28/2026 | 05/28/2026 | 05/19/2026 |
| 49 | XX | XX |  | XX | California | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | OSMZU4W00MV-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of Supplemental Title Report to cover the loan amount.<br> 04/XX/2026: Resolved. Received updated title. | 04/XX/2026: Resolved. Received updated title. | 04/28/2026: Resolved. Received updated title. |  |  | QC Complete | 04/14/2026 | 04/28/2026 | 04/28/2026 | 04/10/2026 |
| 50 | XX | XX |  | XX | Idaho | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | LRAVEPSEDM1-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated Lease agreement for the property address "XX" with rental amount<br>04/XX/2026: Resolved. Received lease with correct address and rental amount. | 04/XX/2026: Resolved. Received lease with correct address and rental amount. | 04/30/2026: Resolved. Received lease with correct address and rental amount. |  |  | QC Complete | 04/14/2026 | 04/30/2026 | 04/30/2026 | 04/11/2026 |
| 52 | XX | XX |  | XX | Massachusetts | XX | Cash Out | Not Covered/Exempt | 4 | 1 | Credit | Guidelines | OHDPQ3PZWWW-J587LE2V | Resolved | 4 | R | \* Loan does not conform to program guidelines (Lvl R) | The loan does not meet the SmartEdge guideline, as vesting is permitted only for individual borrowers. However, the title reflects vesting in the LLC name, "XX."<br> 05/XX/2016: Countered. Product Vesting Options<br> SmartEdge XX<br> •  Must vest in the name of an individual(s).<br> •  Vesting in a company is not permitted (Corporations, LLCs, Partnerships, and S-Corporations).<br> •  Must vest in the name of an individual(s).<br>05/XX/2026: Resolved. Per guidelines 02.26.2026 v26.2 Vesting options-added LLC's are permitted for SmartEdge and XX. | 05/XX/2026: Resolved. Per guidelines 02.26.2026 v26.2 Vesting options-added LLC's are permitted for SmartEdge and XX. | 05/19/2026: Resolved. Per guidelines 02.26.2026 v26.2 Vesting options-added LLC's are permitted for SmartEdge and XX. |  |  | QC Complete | 06/08/2026 | 06/08/2026 | 06/08/2026 | 05/19/2026 |
| 52 | XX | XX |  | XX | Massachusetts | XX | Cash Out | Not Covered/Exempt | 4 | 1 | Credit | Credit | OHDPQ3PZWWW-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the loan score card, as it is missing.<br>05/XX/2026: Resolved. XX in original package. | 05/XX/2026: Resolved. XX in original package. | 05/15/2026: Resolved. XX in original package. |  |  | QC Complete | 06/08/2026 | 06/08/2026 | 06/08/2026 | 05/05/2026 |
| 59 | XX | XX |  | XX | California | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | NVUJF11JQ1Q-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $xx does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br> 04/XX/2026: Resolved. Received updated title. | 04/XX/2026: Resolved. Received updated title. | 04/28/2026: Resolved. Received updated title. |  |  | QC Complete | 04/14/2026 | 04/28/2026 | 04/28/2026 | 04/11/2026 |
| 60 | XX | XX |  | XX | Virginia | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XWM5AMHVB5D-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of HOA document for property address "XX<br> 04/XX/2026: Resolved. the 2024 schedule E line 19 shows no HOA fee for this property. Additionally, the underwriting calc sheet comments read verified no HOA third party search | 04/XX/2026: Resolved. the 2024 schedule E line 19 shows no HOA fee for this property. Additionally, the underwriting calc sheet comments read verified no HOA third party search | 04/22/2026: Resolved. the 2024 schedule E line 19 shows no HOA fee for this property. Additionally, the underwriting calc sheet comments read verified no HOA third party search |  |  | QC Complete | 04/14/2026 | 04/22/2026 | 04/22/2026 | 04/11/2026 |
| 60 | XX | XX |  | XX | Virginia | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Property | XWM5AMHVB5D-7BC6773S | Resolved | 3 | R | \* Property Issues indicated (Lvl R) | Provide a copy of Appraiser license as it is missing<br>04/XX/2026: Received appraisers license information | 04/XX/2026: Received appraisers license information | 04/21/2026: Received appraisers license information |  |  | QC Complete | 04/14/2026 | 04/21/2026 | 04/21/2026 | 04/11/2026 |
| 60 | XX | XX |  | XX | Virginia | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XWM5AMHVB5D-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of HOA document for property address "XX"<br> 04/XX/2026: Resolved. the 2024 schedule E line 19 shows no HOA fee for this property. Additionally, the underwriting calc sheet comments read verified no HOA third party search | 04/XX/2026: Resolved. the 2024 schedule E line 19 shows no HOA fee for this property. Additionally, the underwriting calc sheet comments read verified no HOA third party search | 04/22/2026: Resolved. the 2024 schedule E line 19 shows no HOA fee for this property. Additionally, the underwriting calc sheet comments read verified no HOA third party search |  |  | QC Complete | 04/14/2026 | 04/22/2026 | 04/22/2026 | 04/11/2026 |
| 74 | XX | XX |  | XX | South Carolina | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | 3DIW11JTPI2-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Dwelling amount $XXis not sufficient to cover loan amount $XX. Provide replacement cost estimator.<br>04/XX/2026 countered: The Letter of Explanation provided does not adequately support that the dwelling coverage meets or exceeds the loan amount in the absence of a Replacement Cost Estimator (RCE).<br>05/XX/2026 Countered : Please provide the updated policy reflecting the replacement cost.<br>05/XX/2026: Countered. Please provide the proof of additional coverages/endorsement/exclusions: SIC HO 23 69 02 22- Specified Additional Amount of insurance Coverage A listed on the declaration page.<br>05/XX/2026 Resolved: Resolved as per the new fannie rules the insurance coverage is sufficient. | 05/XX/2026 Resolved: Resolved as per the new fannie rules the insurance coverage is sufficient. | 05/20/2026 Resolved: Resolved as per the new fannie rules the insurance coverage is sufficient. |  |  | QC Complete | 04/22/2026 | 05/20/2026 | 05/20/2026 | 04/21/2026 |
| 74 | XX | XX |  | XX | South Carolina | XX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 3DIW11JTPI2-ZDECX0IO | Resolved | 3 | R | \* Homeownership Counselling Disclosure is missing. (Lvl R) | Missing Homeownership Counseling Disclosure.<br>Resolved 04/XX/2026: Received Homeownership Counseling Disclosure dated 03/XX/2026 and exception is cleared. | Resolved 04/XX/2026: Received Homeownership Counseling Disclosure dated 03/XX/2026 and exception is cleared. | Resolved 04/29/2026: Received Homeownership Counseling Disclosure dated 03/05/2026 and exception is cleared. |  |  | QC Complete | 04/22/2026 | 04/29/2026 | 04/29/2026 | 04/21/2026 |
| 81 | XX | XX |  | XX | Virginia | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | RHVPMDGDOS1-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the mortgage statement and property tax documentation for the property located at XX<br> 04/XX/2026: Countered. In addition to the proof provided for the HOA actual proof of the PITI is needed such as a mortgage statement.<br>05/XX/2026: Resolved: As of the date the subject note, this property had not yet closed and the payment was included as worst casr scenario. The CD provided is verification of PITI and seperate verification of the HOA was also provided. | 05/XX/2026: Resolved: As of the date the subject note, this property had not yet closed and the payment was included as worst casr scenario. The CD provided is verification of PITI and seperate verification of the HOA was also provided. | 05/06/2026: Resolved: As of the date the subject note, this property had not yet closed and the payment was included as worst casr scenario. The CD provided is verification of PITI and seperate verification of the HOA was also provided. |  |  | QC Complete | 04/24/2026 | 05/06/2026 | 05/06/2026 | 04/24/2026 |
| 82 | XX | XX |  | XX | Michigan | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | T0DY33IFIYX-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an updated hazard insurance policy reflecting the mortgagee information and the subject property address, including unit number #XX.<br> 05/XX/2026: Resolved. Received updated insurance. | 05/XX/2026: Resolved. Received updated insurance. | 05/14/2026: Resolved. Received updated insurance. |  |  | QC Complete | 05/06/2026 | 05/14/2026 | 05/14/2026 | 05/06/2026 |
| 86 | XX | XX |  | XX | South Dakota | XX | Refinance | Non-QM/Compliant | 4 | 1 | Credit | Credit | VN1I5MBQKLX-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Feb month bank statement for the account "XX<br> 05/XX/2026:Resolved. This asset is not needed. | 05/XX/2026:Resolved. This asset is not needed. | 05/01/2026:Resolved. This asset is not needed. |  |  | QC Complete | 04/28/2026 | 05/04/2026 | 05/04/2026 | 04/23/2026 |
| 86 | XX | XX |  | XX | South Dakota | XX | Refinance | Non-QM/Compliant | 4 | 1 | Credit | Credit | VN1I5MBQKLX-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide proof of distribution of the borrowers income from XX account matching the amount stated on the loan application of $XX.<br> 05/XX/2026: Countered: per the underwriters comments in the Resubmission review: We will need a statement from the borrower regarding plans of retirement, based on guides if retiring within 3 years of the note additional conditions apply.<br>05/XX/2026: Countered. The asset qualifier guidelines list which assets are eligible for use. <br> Retirement Accounts <br> 401(k)/403(b) plans or IRA, SEP or XX accounts Borrower is at least 59 ½ years old (retirement age) <br> Documentation has been provided confirming the borrower has full access to the funds <br> If the borrower is not 59 ½ years old, the borrower must have enough liquid assets to qualify until they reach 59 ½ years of age<br>7. Required Disclosures <br>• Notice to Borrower: Ability to Repay Disclosure signed by the borrowers <br> • Ability to Repay (ATR) Certification completed by underwriter <br> • Borrower's Affirmation of Information Provided to Establish Ability to Repay (ATR) signed by the borrower <br> • Asset Qualifier requires a letter of explanation from the borrower certifying their intent to liquidate the assets to pay current expenses <br>The guidelines don't state that if they are of retirement age they don't need the letter on intent. a letter is still needed from the borrower.<br>05/XX/2026: Resolved. Received Bo-borrower is of retirement age and a letter of explanation is not needed on asset based income. | 05/XX/2026: Resolved. Received Bo-borrower is of retirement age and a letter of explanation is not needed on asset based income. | 05/13/2026: Resolved. Received Bo-borrower is of retirement age and a letter of explanation is not needed on asset based income. |  |  | QC Complete | 04/28/2026 | 05/13/2026 | 05/13/2026 | 04/23/2026 |
| 86 | XX | XX |  | XX | South Dakota | XX | Refinance | Non-QM/Compliant | 4 | 1 | Credit |  | VN1I5MBQKLX-4ZA4ZEZQ | Resolved | 4 | R | \* DTI > 50% (Lvl R) | Provide documentation to verify costs and fees for the property located atXX. The costs were stated to be $12/month. Recalculate DTI once received.<br>05/XX/2026: Countered. The 1003 lists XX with monthly insurance, Taxes, Association dues as $125.00. Documentation provided show HOI as $273.00 per month and taxes as $120.94 per month. Which makes the DTI 50.43.<br>05/XX/2026: Countered. The documentation provided shows the HOI as $273.00 and the taxes at $120.94 for a total of $393.94 not $125.00making the DTI 50.43<br>05/XX/2026: Resolved. The correct DTi should be 49.58 with the 125.00 included. | 05/XX/2026: Resolved. The correct DTi should be 49.58 with the 125.00 included and 49.19 without the 125.00 | 05/22/2026: Resolved. The correct DTi should be 49.58 with the 125.00 included and 49.19 without the 125.00 |  |  | QC Complete | 04/28/2026 | 05/22/2026 | 05/22/2026 | 04/28/2026 |
| 88 | XX | XX |  | XX | Missouri | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | PVO3OH5R4KN-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide a copy of secondary valuation as it is missing.<br> 05/XX/2026: Incorrect condition. XXX appraisal Risk Review is in original file. | 05/XX/2026: Incorrect condition. Stewart Valuation Intellgence appraisal Risk Review is in original file. | 05/22/2026: Incorrect condition. Stewart Valuation Intellgence appraisal Risk Review is in original file. |  |  | QC Complete | 05/19/2026 | 05/22/2026 | 05/22/2026 | 05/19/2026 |
| 96 | XX | XX |  | XX | Maryland | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | CUA1GOVGEPL-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of updated title or supplemental title report including Lender ISAOA/ATIMA Clause, as is it missing<br> 04/XX/2026: Resolved. Received updated title. | 04/XX/2026: Resolved. Received updated title. | 04/28/2026: Resolved. Received updated title. |  |  | QC Complete | 04/15/2026 | 04/28/2026 | 04/28/2026 | 04/15/2026 |
| 98 | XX | XX |  | XX | Florida | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | FDG4T51014W-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide tax and insurance documents for the property "XX" to verify the stated amount $298.64.<br> 05/XX/2026: Countered. Provide copy of seller CD for 1XXto show sold.<br> 05/XX/2026: Resolved. Copy of settlement statement provided. | 05/XX/2026: Resolved. Copy of settlement statement provided. | 05/18/2026: Resolved. Copy of settlement statement provided. |  |  | QC Complete | 05/08/2026 | 05/18/2026 | 05/18/2026 | 05/08/2026 |
| 103 | XX | XX |  | XX | New Jersey | XX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 1K0KH4QMDGZ-ZDECX0IO | Resolved | 3 | R | \* Homeownership Counselling Disclosure is missing. (Lvl R) | Missing Homeownership Counseling Disclosure.<br> 05/XX/2026: Countered. The Homeownership Counseling Disclosure is missing.<br> 05/XX/2026: Resolved. Received Hownership Counseling Organization List | 05/XX/2026: Resolved. Received Hownership Counseling Organization List | 05/13/2026: Resolved. Received Hownership Counseling Organization List |  |  | QC Complete | 05/07/2026 | 05/13/2026 | 05/13/2026 | 05/07/2026 |
| 109 | XX | XX |  | XX | Texas | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | RR0FHNGVIVL-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide fully executed letter from business CPA confirming borrowers ownership percentage in the business and how long it has been in operation.<br>05/XX/2026: Resolved; Received Corporate resolution of XX, certificate of fact from the office of the secretary of state, franchise tax account status and public iinformation report | 05/XX/2026: Resolved; Received Corporate resolution of XX, certificate of fact from the office of the secretary of state, franchise tax account status and public iinformation report | 05/13/2026: Resolved; Received Corporate resolution of XX, certificate of fact from the office of the secretary of state, franchise tax account status and public iinformation report |  |  | QC Complete | 05/06/2026 | 05/13/2026 | 05/13/2026 | 05/06/2026 |
| 110 | XX | XX |  | XX | Florida | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | F0FQZHLSILB-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of lease agreement for the property address "3X<br>05/XX/2026: Incorrect condition. The full PITI was included int he ratios no lease is needed. | 05/XX/2026: Incorrect condition. The full PITI was included int he ratios no lease is needed. | 05/22/2026: Incorrect condition. The full PITI was included int he ratios no lease is needed. |  |  | QC Complete | 05/19/2026 | 05/22/2026 | 05/22/2026 | 05/19/2026 |
| 121 | XX | XX |  | XX | California | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 4IZMZAKMJF4-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Preliminary title does not reflect the amount of $XXtitle insured coverage amount. provide a copy of supplemental report with lender ISAOA/ATIMA clause.<br>05/XX/2026: Resolved. Received updated title. | 05/XX/2026: Resolved. Received updated title. | 05/13/2026: Resolved. Received updated title. |  |  | QC Complete | 05/07/2026 | 05/13/2026 | 05/13/2026 | 05/06/2026 |
| 121 | XX | XX |  | XX | California | XX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 4IZMZAKMJF4-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide a copy of the secondary valuation CDA as it is required guidelines.<br>05/XX/2026: Resolved. Client provided 2 full appraisals in original package. | 05/XX/2026: Resolved. Client provided 2 full appraisals in original package. | 05/11/2026: Resolved. Client provided 2 full appraisals in original package. |  |  | QC Complete | 05/07/2026 | 05/11/2026 | 05/11/2026 | 05/06/2026 |
| 122 | XX | XX |  | XX | Georgia | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | LWUBFPQKOSG-YXK20TJA | Resolved | 3 | R | \* Subject or Comp Photos are missing or illegible (Lvl R) | Photos of the rent comparables are missing from the loan package. Provide photos of all rent comparables listed in the appraisal.<br> 05/XX/2026: Resolved: Per Fannie Mae photographs of comparable rentals utilized in the Small Income Residentail Appraisal Report (Form 1025) are not required. | 05/XX/2026: Resolved: Per Fannie Mae photographs of comparable rentals utilized in the Small Income Residentail Appraisal Report (Form 1025) are not required. | 05/15/2026: Resolved: Per Fannie Mae photographs of comparable rentals utilized in the Small Income Residentail Appraisal Report (Form 1025) are not required. |  |  | QC Complete | 05/06/2026 | 05/15/2026 | 05/15/2026 | 05/06/2026 |
| 125 | XX | XX |  | XX | Michigan | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Income | SHIW3ZUSKPE-L3KXO96W | Resolved | 3 | R | \* Reverification within 10 days is missing (Lvl R) | Provide verbal VOE for borrower (XX) from (XX) dated within 10 business days of closing.<br> 05/XX/2026: Resolved. borrower is self employed. Received letter from CPA. | 05/XX/2026: Resolved. borrower is self employed. Received letter from CPA. | 05/13/2026: Resolved. borrower is self employed. Received letter from CPA. |  |  | QC Complete | 05/11/2026 | 05/13/2026 | 05/13/2026 | 05/08/2026 |
| 131 | XX | XX |  | XX | Kansas | XX | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | NI3TMDNSPMR-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide a copy of Secondary valuation as it is missing<br> 05/XX/2026: Resolved. A xx Appraisal Risk Review is in the file. | 05/XX/2026: Resolved. A xx Appraisal Risk Review is in the file. | 05/14/2026: Resolved. A xx Appraisal Risk Review is in the file. |  |  | QC Complete | 05/07/2026 | 05/14/2026 | 05/14/2026 | 05/07/2026 |
| 133 | XX | XX |  | XX | Virginia | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | A5TDXH5J0JH-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the loan score card, as it is missing.<br> 05/XX/2026: Resolved. LoanScore Card is no longer needed. | 05/XX/2026: Resolved. LoanScore Card is no longer needed. | 05/13/2026: Resolved. LoanScore Card is no longer needed. |  |  | QC Complete | 05/11/2026 | 05/13/2026 | 05/13/2026 | 05/08/2026 |
| 133 | XX | XX |  | XX | Virginia | XX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | A5TDXH5J0JH-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide a copy of the secondary valuation CDA as it required by the guidelines.<br> 05/XX/2026: Resolved. File already had 2 full appraisals. | 05/XX/2026: Resolved. File already had 2 full appraisals. | 05/13/2026: Resolved. File already had 2 full appraisals. |  |  | QC Complete | 05/11/2026 | 05/13/2026 | 05/13/2026 | 05/08/2026 |
| 139 | XX | XX |  | XX | Illinois | XX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | SCLDGIZAHWS-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide a copy of Secondary valuation as it is missing.<br> 05/XX/2026: Resolved. Two appraisals were provided. | 05/XX/2026: Resolved. Two appraisals were provided. | 05/15/2026: Resolved. Two appraisals were provided. |  |  | QC Complete | 05/07/2026 | 05/15/2026 | 05/15/2026 | 05/07/2026 |
| 146 | XX | XX |  | XX | North Carolina | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | EJTLAVJZ0LH-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the loan score card, as it is missing.<br>05/XX/2026: Countered. Guidelines 02.26.2026v26.2 under #13 underwriting state Loans must be submitted to LoanScoreCard or to XX for approved clients.<br> 05/XX/2026: Resolved: Loanscore is no longer needed per guidelines. | 05/XX/2026: Resolved: Loanscore is no longer needed per guidelines. | 05/13/2026: Resolved: Loanscore is no longer needed per guidelines. |  |  | QC Complete | 05/07/2026 | 05/13/2026 | 05/13/2026 | 05/06/2026 |
| 200 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XKHNFZUS4UF-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.562% Allowed 7.870% Overby +0.692%<br>This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 |  |  | QC Complete | 05/05/2026 | 05/05/2026 | 05/05/2026 | 05/05/2026 |
| 201 | XX | XX |  | XX | Texas | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | HRXVF2GSVFW-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.591% Allowed 7.870% Overby+0.721%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 05/21/2026 | 05/21/2026 | 05/21/2026 | 05/20/2026 |
| 204 | XX | XX |  | XX | California | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | U1TLSLEVB1N-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title insurance amount of $XX is insufficient to cover the loan amount of $XX. Provide a copy of the title supplemental report.<br>05/XX/2026: Resolved. Received updated title. | 05/XX/2026: Resolved. Received updated title. | 05/08/2026: Resolved. Received updated title. |  |  | QC Complete | 05/05/2026 | 05/08/2026 | 05/08/2026 | 05/05/2026 |
| 204 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 0VSGARM5PNP-KMWEVJ70 | Resolved | 3 | R | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | Missing Final Closing Disclosure<br>Resolved 04/XX/2026: Received Final Closing Disclosure dated 04/XX/2026 and exception is cleared. | Resolved 04/XX/2026: Received Final Closing Disclosure dated 04/XX/2026 and exception is cleared. | Resolved 04/20/2026: Received Final Closing Disclosure dated 04/XX/2026 and exception is cleared. |  |  | QC Complete | 04/16/2026 | 04/20/2026 | 04/20/2026 | 04/13/2026 |
| 210 | XX | XX |  | XX | Hawaii | XX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Credit | TT5OPE1SKOX-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Loan score card 1st page is missing.<br>05/XX/2026: Resolved. Received passing LoanScorecard. | 05/XX/2026: Resolved. Received passing LoanScorecard. | 05/11/2026: Resolved. Received passing LoanScorecard. |  |  | QC Complete | 05/06/2026 | 05/11/2026 | 05/11/2026 | 05/05/2026 |
| 210 | XX | XX |  | XX | Hawaii | XX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | TT5OPE1SKOX-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Excessive NSF's <br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 10.58% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 58.82% LTV is less than the guideline requirement of 75.00%.<br>Reserves: The 89 months of available reserves are more than the guideline requirement of 3 months.<br>|  | QC Complete | 05/06/2026 |  |  | 05/05/2026 |
| 218 | XX | XX |  | XX | New York | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | RAQ3JPERKCX-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of Jan 2026 bank statement for account " XX"<br>05/XX/2026; Resolved. The asset is good through 03/XX/2026 and the 12/XX/2025 statement is within 45 days of the application date and the loan closed 03/XX/2026. Asset is not expired. | 05/XX/2026; Resolved. The asset is good through 03/XX/2026 and the 12/XX/2025 statement is within 45 days of the application date and the loan closed 03/XX/2026. Asset is not expired. | 05/07/2026; Resolved. The asset is good through 03/XX/2026 and the 12/XX/2025 statement is within 45 days of the application date and the loan closed 03/XX/2026. Asset is not expired. |  |  | QC Complete | 04/28/2026 | 05/07/2026 | 05/07/2026 | 04/28/2026 |
| 218 | XX | XX |  | XX | New York | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | RAQ3JPERKCX-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Insurance premium is missing in hazard insurance document. Provide a copy of insurance with premium.<br>05/XX/2026: Resolved. Received updated HOI with premium. | 05/XX/2026: Resolved. Received updated HOI with premium. | 05/08/2026: Resolved. Received updated HOI with premium. |  |  | QC Complete | 04/28/2026 | 05/08/2026 | 05/08/2026 | 04/28/2026 |
| 222 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | ZMAKOWNJNGL-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a legible copy of borrower Govt ID.<br>05/XX/2026: Resolved. Received ID | 05/XX/2026: Resolved. Received ID | 05/11/2026: Resolved. Received ID |  |  | QC Complete | 05/06/2026 | 05/11/2026 | 05/11/2026 | 05/05/2026 |
| 223 | XX | XX |  | XX | Oregon | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XI53EFG3ANL-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing page two of the promissory note.<br> 05/XX/2026: Resolved. Received page 2 of Note. | 05/XX/2026: Resolved. Received page 2 of Note. | 05/27/2026: Resolved. Received page 2 of Note. |  |  | QC Complete | 05/20/2026 | 05/27/2026 | 05/27/2026 | 05/20/2026 |
| 223 | XX | XX |  | XX | Oregon | XX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | XI53EFG3ANL-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Resolved 05/XX/2026: Received Initial Closing Disclosure dated 05/XX/2026 and exception is cleared. | Resolved 05/XX/2026: Received Initial Closing Disclosure dated 05/XX/2026 and exception is cleared. | Resolved 05/27/2026: Received Initial Closing Disclosure dated 05/06/2026 and exception is cleared. |  |  | QC Complete | 05/20/2026 | 05/27/2026 | 05/27/2026 | 05/20/2026 |
| 225 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | G4DUIWJMLN5-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of supplemental title report , as the proposed title insured amount XXXX is inadequate to fully cover the loan amount of $xx.<br> 05/XX/2026: Resolved. Received updated title. | 05/XX/2026: Resolved. Received updated title. | 05/14/2026: Resolved. Received updated title. |  |  | QC Complete | 05/06/2026 | 05/14/2026 | 05/14/2026 | 05/05/2026 |
| 225 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | G4DUIWJMLN5-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide bank statement form Sep 25-2025 to Oct 24-2025, as it is missing<br> 05/XX/2026: Resolved. Received bank statements. | 05/XX/2026: Resolved. Received bank statements. | 05/13/2026: Resolved. Received bank statements. |  |  | QC Complete | 05/06/2026 | 05/13/2026 | 05/13/2026 | 05/05/2026 |
| 229 | XX | XX |  | XX | Maryland | XX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | IGYJJDPFJXG-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of missing March(2025) month bank statement for XX Account#XX<br> 04/XX/2026: Countered. The print out provided only goes through 03/XX/2026. It's not an actual statement that shows a good through date.<br> 04/XX/2026: Resolved. Received a printout dated 03/XX/2026. | 04/XX/2026: Resolved. Received a printout dated 03/XX/2026. | 04/22/2026: Resolved. Received a printout dated 03/18/2026. |  |  | QC Complete | 04/07/2026 | 04/23/2026 | 04/23/2026 | 04/07/2026 |
| 229 | XX | XX |  | XX | Maryland | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | IGYJJDPFJXG-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.412% Allowed 7.520% Overby +0.892%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 04/07/2026 | 04/07/2026 | 04/07/2026 | 04/07/2026 |
| 229 | XX | XX |  | XX | Maryland | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | IGYJJDPFJXG-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR).<br>Higher-Priced Mortgage Loan Test: Charged 8.412% Allowed 7.520% Overby +0.892%<br>This loan is compliant with regulation MD COMAR, (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6). | This loan is compliant with regulation MD COMAR, (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6). | This loan is compliant with regulation MD COMAR, (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6). |  |  | QC Complete | 04/07/2026 | 04/07/2026 | 04/07/2026 | 04/07/2026 |
| 234 | XX | XX |  | XX | New York | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 1ATPKQQQZDO-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an updated lease agreement for the subject property XX. Lease agreement in file is expired on 03/XX/2026.<br>05/XX/2026: Resolved. Received LOE. Purchase transaction, expired lease so not conveying with property. Using market rent to qualify as worst case since lower than previous expired lease rent amount. | 05/XX/2026: Resolved. Received LOE. Purchase transaction, expired lease so not conveying with property. Using market rent to qualify as worst case since lower than previous expired lease rent amount. | 05/29/2026: Resolved. Received LOE. Purchase transaction, expired lease so not conveying with property. Using market rent to qualify as worst case since lower than previous expired lease rent amount. |  |  | QC Complete | 05/21/2026 | 05/29/2026 | 05/29/2026 | 05/20/2026 |
| 235 | XX | XX |  | XX | California | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | VZRZJRUQ0Z4-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy updated of supplemental title report , as the proposed title insured amount $XX is inadequate to fully cover the loan amount of $XX<br> 05/XX/2026: Resolved. Received updated title. | 05/XX/2026: Resolved. Received updated title. | 05/27/2026: Resolved. Received updated title. |  |  | QC Complete | 05/21/2026 | 05/27/2026 | 05/27/2026 | 05/20/2026 |
| 237 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 4SV4KD5R134-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The DOT document reflects only one borrower, while the Note and Credit Report reflect two borrowers. Please provide a corrected DOT that includes the co-borrower's (XX) name.<br>05/XX/2026: The co-borrower on the loan is a co-signer and is not required to sign the DOT. | 05/XX/2026: The co-borrower on the loan is a co-signer and is not required to sign the DOT. | 05/22/2026: The co-borrower on the loan is a co-signer and is not required to sign the DOT. |  |  | QC Complete | 05/13/2026 | 05/22/2026 | 05/22/2026 | 05/13/2026 |
| 242 | XX | XX |  | XX | California | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XSTYTXHSOON-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Amount of title insurance is not sufficient to cover the loan amount of $XX, provide a copy of title supplement report<br> 04/XX/2026: Resolved. Received updated title. | 04/XX/2026: Resolved. Received updated title. | 04/16/2026: Resolved. Received updated title. |  |  | QC Complete | 04/07/2026 | 04/16/2026 | 04/16/2026 | 04/07/2026 |
| 242 | XX | XX |  | XX | California | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XSTYTXHSOON-DW5VNZ46 | Resolved | 3 | R | \* Condo / PUD rider Missing (Lvl R) | Provide a copy of PUD rider as it is missing<br> 04/XX/2026: Resolved. Received PUD rider | 04/XX/2026: Resolved. Received PUD rider | 04/14/2026: Resolved. Received PUD rider |  |  | QC Complete | 04/07/2026 | 04/14/2026 | 04/14/2026 | 04/07/2026 |
| 242 | XX | XX |  | XX | California | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | XSTYTXHSOON-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing Shareholder's agreement and Articles of organization for XX showing 61% ownership of XX.<br> 04/XX/2026: Countered. The Articles of organization for dulzaro XX showing 61% ownership of XX is needed to show proof that XXownership<br> 04/XX/2026: Countered. The document provided doesn't mention anything about XX. Need Articles of organization for XXshowing 61% ownership of XX<br>04/XX/2026 : Resolved. the borrower has 51% ownership of XX XXIns has 61% ownership of XX | 04/XX/2026 : Resolved. the borrower has 51% ownership of XX has 61% ownership of XX | 04/29/2026 : Resolved. the borrower has 51% ownership of XX has 61% ownership of XX |  |  | QC Complete | 04/07/2026 | 04/29/2026 | 04/29/2026 | 04/07/2026 |
| 244 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | HMKKP4SBT0U-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.585% Allowed 7.760% Overby +0.825%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 05/15/2026 | 05/15/2026 | 05/15/2026 | 05/14/2026 |
| 252 | XX | XX |  | XX | Maryland | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | JOPDTT3SUTK-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a copy of the driving license for borrower "XX", as it is missing.<br>05/XX/2026: Resolved. Received ID | 05/XX/2026: Resolved. Received ID | 05/11/2026: Resolved. Received ID |  |  | QC Complete | 05/06/2026 | 05/11/2026 | 05/11/2026 | 05/05/2026 |
| 254 | XX | XX |  | XX | Maryland | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | 3TZXEWKGK1Y-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide an updated hazard insurance for subject property with mortgagee clause reflecting "XX ISAOA/ATIMA".<br>05/XX/2026: Resolved. Received updated insurance | 05/XX/2026: Resolved. Received updated insurance | 05/29/2026: Resolved. Received updated insurance |  |  | QC Complete | 05/26/2026 | 05/29/2026 | 05/29/2026 | 05/26/2026 |
| 258 | XX | XX |  | XX | Texas | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | NM1V3NO3G2D-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated title report or supplemental report for the subject address, as is it missing<br> 04/XX/2026: Resolved. Received updated title. | 04/XX/2026: Resolved. Received updated title. | 04/23/2026: Resolved. Received updated title. |  |  | QC Complete | 04/07/2026 | 04/23/2026 | 04/23/2026 | 04/07/2026 |
| 260 | XX | XX |  | XX | Washington | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | RAVEXU4HQUZ-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Use business assets for down payment due to current residence selling after closing vs business assets not permitted per guidelines.<br>Exception Approval Present. |  |  | Low LTV: LTV of 50.17% is less than the maximum guideline requirement of 80%.<br>Credit Score : 737 exceeds the minimum guideline requirement of 640<br>$3,927.16 residual income vs min $2,500 required residual income. <br>|  | QC Complete | 05/07/2026 |  |  | 05/06/2026 |
| 260 | XX | XX |  | XX | Washington | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | RAVEXU4HQUZ-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Stated Asset Qualifier income from 1008 and 1003 is $38,333. however, Asset Qualification calculator reflecting as $3,923.54 - Reviewer calculated income is $28,977.74.<br> 5/XX/2026: Resolved. Received letter from underwriter stating There should be no income on Asset qualifier loans, this was included in error. A new 1003 and 1008 were provided. | 5/XX/2026: Resolved. Received letter from underwriter stating There should be no income on Asset qualifier loans, this was included in error. A new 1003 and 1008 were provided. | 5/13/2026: Resolved. Received letter from underwriter stating There should be no income on Asset qualifier loans, this was included in error. A new 1003 and 1008 were provided. |  |  | QC Complete | 05/07/2026 | 05/13/2026 | 05/13/2026 | 05/06/2026 |
| 262 | XX | XX |  | XX | California | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | PNAHPBTKXYW-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Proposed title amount is less than the loan amount of $XX 04/XX/2026: Resolved. Received updated title. | 04/XX/2026: Resolved. Received updated title. | 04/30/2026: Resolved. Received updated title. |  |  | QC Complete | 04/27/2026 | 04/30/2026 | 04/30/2026 | 04/22/2026 |
| 262 | XX | XX |  | XX | California | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit |  | PNAHPBTKXYW-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | HOI policy lists coverage amount and replacement coverage enough to cover loan amount. is less than the loan amount of $XX<br>Resolved: 05/XX/2026: HOI policy lists coverage amount and replacement coverage enough to cover loan amount. | Resolved: 05/XX/2026: HOI policy lists coverage amount and replacement coverage enough to cover loan amount. | Resolved: 05/06/2026: HOI policy lists coverage amount and replacement coverage enough to cover loan amount. |  |  | QC Complete | 04/27/2026 | 05/06/2026 | 05/06/2026 | 04/23/2026 |
| 264 | XX | XX |  | XX | Connecticut | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 3B2YXFPXE0F-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of Title supplemental report, as the amount of title insurance $XX is less than the loan amount $XX<br>04/XX/2026 Resolved : The copy of final Title policy resolves the condition. | 04/XX/2026 Resolved : The copy of final Title policy resolves the condition. | 04/20/2026 Resolved : The copy of final Title policy resolves the condition. |  |  | QC Complete | 04/08/2026 | 04/20/2026 | 04/20/2026 | 04/07/2026 |
| 267 | XX | XX |  | XX | California | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | 4GLHXRSDLEE-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide supporting document for the credit liability as it is missing.<br>Inst - XX $24,623 $192.00<br>04/XX/2026: Countered The loanscore card provided does not clear the condition. Need documentation to clear the credit libility Inst - XX $24,623 $192.00<br> 04/XX/2026: Resolved. Credit report in file shows this account as paid and at a zero balance. | 04/XX/2026: Resolved. Credit report in file shows this account as paid and at a zero balance. | 04/28/2026: Resolved. Credit report in file shows this account as paid and at a zero balance. |  |  | QC Complete | 04/08/2026 | 04/28/2026 | 04/28/2026 | 04/07/2026 |
| 275 | XX | XX |  | XX | Michigan | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | KIFHA0C2SXH-UTM9VHCU | Resolved | 3 | R | \* Final Application Incomplete (Lvl R) | Provide a complete copy of the final application, as only 6 of the 15 pages are currently available in the loan file.<br>05/XX/2026: Resolved. Received all pages of 1003. | 05/XX/2026: Resolved. Received all pages of 1003. | 05/11/2026: Resolved. Received all pages of 1003. |  |  | QC Complete | 05/06/2026 | 05/11/2026 | 05/11/2026 | 05/06/2026 |
| 275 | XX | XX |  | XX | Georgia | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | WWEIT5IPJ5Y-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | To allow foreign assets that do not need to be moved to US banking institution to qualify. <br>Exception Approval Present. |  |  | Credit Score : 742 exceeds the minimum guideline requirement of 720<br>LTV: LTV of 80% is less than the maximum guideline requirement of 90%.<br>Actual residual income of $5,751.80 vs required $2,500 |  | QC Complete | 05/26/2026 |  |  | 05/26/2026 |
| 279 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | B2C4YPLIJWB-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Resolved 05/XX/2026: Received Initial Closing Disclosure dated 04/XX/2026 and exception is cleared. | Resolved 05/XX/2026: Received Initial Closing Disclosure dated 04/XX/2026 and exception is cleared. | Resolved 05/11/2026: Received Initial Closing Disclosure dated 04/01/2026 and exception is cleared. |  |  | QC Complete | 05/06/2026 | 05/11/2026 | 05/11/2026 | 05/06/2026 |
| 279 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | B2C4YPLIJWB-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Allowing to use VOR from owner when transaction is between landlord and tenant without canceled checks. Exception approval is present |  |  | Credit Score : 729 exceeds the minimum guideline requirement of 700 Low DTI : DTI of 34.45% is less than the maximum guideline requirement of 50%. Reserve : 10.964 months reserves exceed the minimum guideline of 5 months. |  | QC Complete | 05/06/2026 |  |  | 05/06/2026 |
| 280 | XX | XX |  | XX | Florida | XX | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | N1S4OI5KD1Y-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception to not require a 5% LTV reduction for declining market.<br>Exception approval present |  |  | Credit Score - 754 is exceeding the minimum score of 680.<br>Low LTV: LTV of 75% is less than the maximum guideline requirement of 80%.<br>10.136 months verified reserves are short of the guideline requirement of 6 months. |  | QC Complete | 05/07/2026 |  |  | 05/07/2026 |
| 281 | XX | XX |  | XX | Oklahoma | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | T0QKU05XUGJ-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of supplemental title report , as the proposed title insured amount $XX is inadequate to fully cover the loan amount of $XX.<br>05/XX/2026: Resolved. Received updated title. | 05/XX/2026: Resolved. Received updated title. | 05/07/2026: Resolved. Received updated title. |  |  | QC Complete | 04/17/2026 | 05/07/2026 | 05/07/2026 | 04/14/2026 |
| 285 | XX | XX |  | XX | Pennsylvania | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | HXWXZA4VOLU-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Provide a copy of Hazard insurance with Mortgage Clause.<br> 05/XX/2026: Countered. the mortgagee clause needs to be complete with ISAOA/ATIMA included.<br> 05/XX/2026: Resolved. Received updated HOI with mortgagee clause | 05/XX/2026: Resolved. Received updated HOI with mortgagee clause | 05/19/2026: Resolved. Received updated HOI with mortgagee clause |  |  | QC Complete | 05/12/2026 | 05/19/2026 | 05/19/2026 | 05/08/2026 |
| 286 | XX | XX |  | XX | South Dakota | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | AV3P20XUFQK-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Coverage amount $XXon the title report is less than the loan amount of $XX. Provide a copy of Title supplement to cover the loan amount.<br> 05/XX/2026; Resolved Received updated title | 05/XX/2026; Resolved Received updated title | 05/29/2026; Resolved Received updated title |  |  | QC Complete | 05/21/2026 | 05/29/2026 | 05/29/2026 | 05/21/2026 |
| 289 | XX | XX |  | XX | Utah | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | BBIRYSNHUQZ-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing.<br>05/XX/2026: Resolved. Received Borrower Business Purpose Certification. | 05/XX/2026: Resolved. Received Borrower Business Purpose Certification. | 05/29/2026: Resolved. Received Borrower Business Purpose Certification. |  |  | QC Complete | 05/27/2026 | 05/29/2026 | 05/29/2026 | 05/26/2026 |
| 299 | XX | XX |  | XX | California | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | BRPR5N0ZBBN-0O1J05XI | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | TRID violation due to appraisal fee increase on Final CD dated 04/XX/2026. Initial LE dated 03/XX/2026 reflects appraisal fee as $550.00 however, revised CD dated 04/XX/2026 reflects the appraisal fee as $625.00. Require PCCD/COC to cure the tolerance violation of $75.00.<br>Resolved 05/XX/2026: Received PCCD dated 05/XX/2026 and exception is cleared. | Resolved 05/XX/2026: Received PCCD dated 05/XX/2026 and exception is cleared. | Resolved 05/15/2026: Received PCCD dated 05/12/2026 and exception is cleared. |  |  | QC Complete | 05/05/2026 | 05/15/2026 | 05/15/2026 | 05/05/2026 |
| 300 | XX | XX |  | XX | California | XX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Credit | DEH2MYBK0IU-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a copy of govt ID for the borrower (XX) as it is missing.<br>05/XX/2026: Resolved. Received ID | 05/XX/2026: Resolved. Received ID | 05/11/2026: Resolved. Received ID |  |  | QC Complete | 05/07/2026 | 05/11/2026 | 05/11/2026 | 05/06/2026 |
| 300 | XX | XX |  | XX | California | XX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Credit | DEH2MYBK0IU-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the October business bank statement for XX account #XX, as it is currently missing from the loan file.<br>05/XX/2026: Resolved. Received October bank statement | 05/XX/2026: Resolved. Received October bank statement | 05/13/2026: Resolved. Received October bank statement |  |  | QC Complete | 05/07/2026 | 05/13/2026 | 05/13/2026 | 05/06/2026 |
| 300 | XX | XX |  | XX | California | XX | Cash Out | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | DEH2MYBK0IU-HLXYYHQ9 | Resolved | 3 | R | \* ComplianceEase TILA Test Failed (Lvl R) | The final CD reflects a disbursement date of 04/XX/2026, which is the same as the cancellation date reflected on the ROR document. Provide the corrected disbursement date.<br>Resolved 05/XX/2026: Received disbursement date 04/XX/2026 and exception is cleared. | Resolved 05/XX/2026: Received disbursement date 04/XX/2026 and exception is cleared. | Resolved 05/12/2026: Received disbursement date 04/XX/2026 and exception is cleared. |  |  | QC Complete | 05/07/2026 | 05/12/2026 | 05/12/2026 | 05/06/2026 |
| 300 | XX | XX |  | XX | California | XX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | DEH2MYBK0IU-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | NSF event of 14 exceed the guideline requirement of maximum six NSF event in the any 12-month period.<br>Exception approval present |  |  | LTV of 50.78% is less than the maximum guideline requirement of 85%.<br>Residual Income : $1,690.69 monthly (Calculate it Total income - Total obligation)<br>Reserve : 18 months reserves exceed the minimum guideline of 6 months |  | QC Complete | 05/07/2026 |  |  | 05/06/2026 |
| 301 | XX | XX |  | XX | Texas | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | ERD3AKW3ADD-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the gift letter for $11,500.00. We have a gift letter only for $10,000 in the file.<br>05/XX/2026: Resolved. Received a signed gift letter for $11,500.00 | 05/XX/2026: Resolved. Received a signed gift letter for $11,500.00 | 05/08/2026: Resolved. Received a signed gift letter for $11,500.00 |  |  | QC Complete | 05/05/2026 | 05/08/2026 | 05/08/2026 | 05/05/2026 |
| 301 | XX | XX |  | XX | Texas | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | ERD3AKW3ADD-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of Tax Cert for the Subject property.<br>05/XX/2026: Resolved. An underwriter tax summary new construction was provided calculating the tax amount. | 05/XX/2026: Resolved. An underwriter tax summary new construction was provided calculating the tax amount. | 05/08/2026: Resolved. An underwriter tax summary new construction was provided calculating the tax amount. |  |  | QC Complete | 05/05/2026 | 05/08/2026 | 05/08/2026 | 05/05/2026 |
| 302 | XX | XX |  | XX | New York | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | QG4KQYPIRNE-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the supporting evidence document receipts HOA fee for the properties XX, in the amount of $150.00, along with the lender 'XX' corresponding mortgage statements, as it is missing.<br>05/XX/2026: Resolved. Received documentation for the $150.00 and the CD from X in lieu of the mortgage statement. | 05/XX/2026: Resolved. Received documentation for the $150.00 and the CD from XX in lieu of the mortgage statement. | 05/20/2026: Resolved. Received documentation for the $150.00 and the CD from XX in lieu of the mortgage statement. |  |  | QC Complete | 05/13/2026 | 05/20/2026 | 05/20/2026 | 05/13/2026 |
| 306 | XX | XX |  | XX | Hawaii | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | 4QRKZX04EP0-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Final 1003 must be corrected to reflect the co-borrower's accurate residency status. The government-issued ID indicates 'Permanent Resident Alien,' while the application currently reflects 'U.S. Citizen.'<br> 04/XX/2026: Resolved. Received updated 1003. | 04/XX/2026: Resolved. Received updated 1003. | 04/08/2026: Resolved. Received updated 1003. |  |  | QC Complete | 04/01/2026 | 04/08/2026 | 04/08/2026 | 03/31/2026 |
| 306 | XX | XX |  | XX | Hawaii | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | 4QRKZX04EP0-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the VOR for 1XX, as the borrower is currently residing in a rented and the document is missing.<br> 04/XX/2026: Countered. A VOR will be needed for the correct address of XX<br> 04/XX/2026: Resolved. Received copy of lease agreement and payments are on the bank statements. | 04/XX/2026: Resolved. Received copy of lease agreement and payments are on the bank statements. | 04/13/2026: Resolved. Received copy of lease agreement and payments are on the bank statements. |  |  | QC Complete | 04/01/2026 | 04/13/2026 | 04/13/2026 | 04/01/2026 |
| 310 | XX | XX |  | XX | Oregon | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | QQTQO23GK21-W1B038WK | Resolved | 3 | R | \* Mortgage Not Recorded (Lvl R) | Recording verification not found on the 2 source doc's<br>Resolved 05/XX/2026 - Resolved as the mortgage is not required to be recorded at this stage. | Resolved 05/XX/2026 - Resolved as the mortgage is not required to be recorded at this stage. | Resolved 05/12/2026 - Resolved as the mortgage is not required to be recorded at this stage. |  |  | QC Complete | 05/08/2026 | 05/12/2026 | 05/12/2026 | 05/06/2026 |
| 310 | XX | XX |  | XX | Oregon | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit |  | QQTQO23GK21-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | HOI coverage is $XX dwelling. Additional ins. docs in file were not legible.<br> 05/XX/2026: Resolved. Received RCE. | 05/XX/2026: Resolved. Received RCE. | 05/13/2026: Resolved. Received RCE. |  |  | QC Complete | 05/08/2026 | 05/13/2026 | 05/13/2026 | 05/06/2026 |
| 310 | XX | XX |  | XX | Oregon | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit Worthiness | QQTQO23GK21-5P9MK5KK | Resolved | 3 | R | \* Mortgage history for primary residence less than 12 months (Lvl R) | Current mortgage on subject properry (per credit supplement) verifies 0x30 from 9/2025 to 4/2026, 5 months. LOX in file indicates living with family 7/2025 to 8/2025. 1003 in file indicates a previous home sold (XX but mortgage not on credit report and no VOM or documentation verifying it as a free and clear owned property.<br> 05/XX/2026: Resolved. Received property detail report for XX shows borrower had no ownershio in this property. | 05/XX/2026: Resolved. Received property detail report for XX shows borrower had no ownershio in this property. | 05/15/2026: Resolved. Received property detail report for XX shows borrower had no ownershio in this property. |  |  | QC Complete | 05/08/2026 | 05/15/2026 | 05/15/2026 | 05/06/2026 |
| 310 | XX | XX |  | XX | Oregon | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Value | QQTQO23GK21-6OUPSC4T | Resolved | 3 | R | \* Property listed for sale in past 12 months (Lvl R) | Cash out loan, need verification of subject purchase date to meet cash out seasoning requirements.<br> 05/XX/2026: Resolved. Title shows when property was acquired. | 05/XX/2026: Resolved. Title shows when property was acquired. | 05/15/2026: Resolved. Title shows when property was acquired. |  |  | QC Complete | 05/08/2026 | 05/15/2026 | 05/15/2026 | 05/06/2026 |
| 314 | XX | XX |  | XX | Massachusetts | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 5XF2LTO0RHN-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of supplemental title report , as the proposed title insured amount $XX is inadequate to fully cover the loan amount of $XX.<br>Resolved: Received updated title. | Resolved: Received updated title. | Resolved: Received updated title. |  |  | QC Complete | 04/08/2026 | 05/06/2026 | 05/06/2026 | 04/08/2026 |
| 314 | XX | XX |  | XX | Massachusetts | XX | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 5XF2LTO0RHN-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | Desk review dated 02/XX/2026.Provide an updated desk review (CDA) pulled after the appraisal report dated (03-XX-2026).<br>04/XX/2026: Resolved. Received desk review dated 04/XX/2026 | 04/XX/2026: Resolved. Received desk review dated 04/XX/2026 | 04/29/2026: Resolved. Received desk review dated 04/23/2026 |  |  | QC Complete | 04/08/2026 | 04/29/2026 | 04/29/2026 | 04/08/2026 |
| 317 | XX | XX |  | XX | Texas | XX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | SJC0MABPWJR-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Requesting exception on property type: Barndominium.<br>Exception Approval Present. |  |  | Credit Score : 653 exceeds the minimum guideline requirement of 640<br>Low DTI : DTI of 23.20% is less than the maximum guideline requirement of 50%.<br>Low LTV: LTV of 51.32% is less than the maximum guideline requirement of 80%.<br>|  | QC Complete | 05/21/2026 |  |  | 05/21/2026 |
| 317 | XX | XX |  | XX | Texas | XX | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | SJC0MABPWJR-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.592% Allowed 7.910% Overby+0.682%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 05/21/2026 | 05/21/2026 | 05/21/2026 | 05/21/2026 |
| 322 | XX | XX |  | XX | Pennsylvania | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | JNVUCUHI21X-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated Hazard insurance including Lender ISAOA/ATIMA clause, as is it missing.<br> 03/XX/2026: Resolved. Received loe stating loan is a correspondent loan and the mortgagee clause is the brokers clause. | 03/XX/2026: Resolved. Received loe stating loan is a correspondent loan and the mortgagee clause is the brokers clause. | 03/24/2026: Resolved. Received loe stating loan is a correspondent loan and the mortgagee clause is the brokers clause. |  |  | QC Complete | 03/12/2026 | 03/24/2026 | 03/24/2026 | 03/11/2026 |
| 322 | XX | XX |  | XX | Pennsylvania | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | JNVUCUHI21X-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | 2377-1Provide a copy of updated title report including Lender ISAOA/ATIMA clause, as is it missing.<br> 04/XX/2026: Resolved. This is a correspondent loan and the mortgagee reads per the brokers (lenders) requirement not XX. | 04/XX/2026: Resolved. This is a correspondent loan and the mortgagee reads per the brokers (lenders) requirement not XX. | 04/06/2026: Resolved. This is a correspondent loan and the mortgagee reads per the brokers (lenders) requirement not XX. |  |  | QC Complete | 03/12/2026 | 04/09/2026 | 04/09/2026 | 03/11/2026 |
| 326 | XX | XX |  | XX | California | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | EQ4HT5YJO4O-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing.<br> 05/XX/2026: Resolved. Received Business Purpose & Occupancy Affidavit | 05/XX/2026: Resolved. Received Business Purpose & Occupancy Affidavit | 05/15/2026: Resolved. Received Business Purpose & Occupancy Affidavit |  |  | QC Complete | 05/12/2026 | 05/15/2026 | 05/15/2026 | 05/08/2026 |
| 328 | XX | XX |  | XX | California | XX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | 3PXSILHPD4P-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Requesting exception to waive 12 months prior ownership for rate/term buyout.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 728 FICO exceeds the guideline requirement of 640.<br>Reserves: The 541 months of available reserves are more than the guideline requirement of 3 months.<br>DTI: 11.154% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 05/11/2026 |  |  | 04/22/2026 |
| 328 | XX | XX |  | XX | California | XX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Doc Issue | 3PXSILHPD4P-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of the title supplement to cover the loan amount of $XX<br>05/XX/2026: Resolved. Received updated title with proposed loan amount of $XX | 05/XX/2026: Resolved. Received updated title with proposed loan amount of $XX | 05/21/2026: Resolved. Received updated title with proposed loan amount of $XX |  |  | QC Complete | 05/11/2026 | 05/21/2026 | 05/21/2026 | 04/22/2026 |
| 337 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | JFVREIBUQOH-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Title report with sufficient amount of title insurance $XX is missing the proposed insured. Provide an updated title report.<br> 04/XX/2026: Resolved. Received updated title. | 04/XX/2026: Resolved. Received updated title. | 04/28/2026: Resolved. Received updated title. |  |  | QC Complete | 04/23/2026 | 04/28/2026 | 04/28/2026 | 04/22/2026 |
| 343 | XX | XX |  | XX | Pennsylvania | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | ZO2BI4BYZG3-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a legible GOV ID for both borrowers.<br>05/XX/2026: Resolved. Received valid ID's | 05/XX/2026: Resolved. Received valid ID's | 05/28/2026: Resolved. Received valid ID's |  |  | QC Complete | 05/22/2026 | 05/28/2026 | 05/28/2026 | 05/22/2026 |
| 343 | XX | XX |  | XX | Pennsylvania | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | ZO2BI4BYZG3-JPQK8SU9 | Resolved | 3 | R | \* Missing Appraisal (Lvl R) | Provide a copy of Full Appraisal as it is missing<br> 05/XX/2026: Resolved. Received appraisal for $XX | 05/XX/2026: Resolved. Received appraisal for $XX | 05/27/2026: Resolved. Received appraisal for $5XX |  |  | QC Complete | 05/22/2026 | 05/27/2026 | 05/27/2026 | 05/21/2026 |
| 347 | XX | XX |  | XX | Maryland | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | MDI04KRLHNB-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of initial 1003 loan application.<br>05/XX/2026: Resolved. Received initial application | 05/XX/2026: Resolved. Received initial application | 05/12/2026: Resolved. Received initial application |  |  | QC Complete | 05/07/2026 | 05/12/2026 | 05/12/2026 | 05/07/2026 |
| 357 | XX | XX |  | XX | New York | XX | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Guidelines | WRBFIQY0QSQ-J587LE2V | Resolved | 4 | R | \* Loan does not conform to program guidelines (Lvl R) | Per the guidelines, the maximum allowed mortgage delinquencies in the last 12 months are 1x30 days and 0x60 days. However, this loan shows 1x30x12 days late and 1x60x12 days late, which is not acceptable.<br>04/XX/2026 Countered : The copy of LOX on pg # 334 does say that the property was deeded in the borrower's name and the condition is valid.<br>04/XX/2026: Resolved. Credit supplement shows the mortgage is not in the name of the borrower but in the name of Estate of XX | 04/XX/2026: Resolved. Credit supplement shows the mortgage is not in the name of the borrower but in the name of Estate of XXX. | 04/30/2026: Resolved. Credit supplement shows the mortgage is not in the name of the borrower but in the name of Estate of XX |  |  | QC Complete | 04/09/2026 | 04/30/2026 | 04/30/2026 | 04/08/2026 |
| 360 | XX | XX |  | XX | Florida | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | KSJIJNXIEIV-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing Business Purpose & Occupancy Affidavit<br>05/XX/2026: Resolved. Received Business Purpose & Occupancy Affidavit. | 05/XX/2026: Resolved. Received Business Purpose & Occupancy Affidavit. | 05/20/2026: Resolved. Received Business Purpose & Occupancy Affidavit. |  |  | QC Complete | 06/08/2026 | 06/08/2026 | 06/08/2026 | 05/15/2026 |
| 362 | XX | XX |  | XX | New York | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | K31TYGQCYWX-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX.<br>4/XX/2026 Resolved. Received updated Schedule A verifying coverage of $XX. | 4/XX/2026 Resolved. Received updated Schedule A verifying coverage of $XX | 4/7/2026 Resolved. Received updated Schedule A verifying coverage of $XX |  |  | QC Complete | 03/18/2026 | 04/07/2026 | 04/07/2026 | 03/18/2026 |
| 364 | XX | XX |  | XX | New York | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | UUNASEOBBXT-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide HOA document for the property "XX".<br>05/XX/2026: Resolved. Received document for HOA | 05/XX/2026: Resolved. Received document for HOA | 05/29/2026: Resolved. Received document for HOA |  |  | QC Complete | 05/07/2026 | 05/29/2026 | 05/29/2026 | 05/06/2026 |
| 364 | XX | XX |  | XX | New York | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Income | UUNASEOBBXT-L3KXO96W | Resolved | 3 | R | \* Reverification within 10 days is missing (Lvl R) | Provide an executed VVOE for the employer "XX".<br> 05/XX/2026: Resolved. Received VVOE. | 05/XX/2026: Resolved. Received VVOE. | 05/13/2026: Resolved. Received VVOE. |  |  | QC Complete | 05/07/2026 | 05/13/2026 | 05/13/2026 | 05/07/2026 |
| 374 | XX | XX |  | XX | Maryland | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | E2INXNHHNFH-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of rent free letter for the property XX, as it is missing.<br> 05/XX/2026: Incorrect condition. Resolved. Rent free letter not needed on Smartvest. | 05/XX/2026: Incorrect condition. Resolved. Rent free letter not needed on Smartvest. | 05/20/2026: Incorrect condition. Resolved. Rent free letter not needed on Smartvest. |  |  | QC Complete | 05/12/2026 | 05/20/2026 | 05/20/2026 | 05/12/2026 |
| 374 | XX | XX |  | XX | Maryland | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | E2INXNHHNFH-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report for title policy to cover the loan amount.<br>05/XX/2026: Resolved. Received updated title | 05/XX/2026: Resolved. Received updated title | 05/18/2026: Resolved. Received updated title |  |  | QC Complete | 05/12/2026 | 05/18/2026 | 05/18/2026 | 05/08/2026 |
| 375 | XX | XX |  | XX | Florida | XX | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Credit | B5LU3NJKQWS-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the receipt or supporting documentation for the supplemental tax or HOA fee in the amount of $61.56 for the property located at XX<br>05/XX/2026: Resolved. Initial 1003 indicated 667.00 for monthly dues. The current appraisal provides the current HOA amount. | 05/XX/2026: Resolved. Initial 1003 indicated 667.00 for monthly dues. The current appraisal provides the current HOA amount. | 05/05/2026: Resolved. Initial 1003 indicated 667.00 for monthly dues. The current appraisal provides the current HOA amount. |  |  | QC Complete | 04/23/2026 | 05/05/2026 | 05/05/2026 | 04/23/2026 |
| 375 | XX | XX |  | XX | Florida | XX | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | B5LU3NJKQWS-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception to use of retirement assets for Asset based income when borrower is not within three (3) years of retirement age but is 51 months from retirement age.<br>Exception approval present |  |  | Credit Score : 806 exceeds the minimum guideline requirement of 720<br> Residual Income : $6,477.00 monthly <br> DTI of 41.18% is less than the maximum guideline requirement of 50%. |  | QC Complete | 04/23/2026 |  |  | 04/22/2026 |
| 381 | XX | XX |  | XX | Texas | XX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | 3Z00154E512-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | Provide a copy of the secondary valuation. The current valuation on file does not correspond with the listed city name and ZIP code.<br>04/XX/2026: Resolved. Received desk with correct city and zip. | 04/XX/2026: Resolved. Received desk with correct city and zip. | 04/29/2026: Resolved. Received desk with correct city and zip. |  |  | QC Complete | 04/09/2026 | 04/29/2026 | 04/29/2026 | 04/09/2026 |
| 382 | XX | XX |  | XX | Florida | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | C2F2OESI1OI-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing.<br> 05/XX/2026: Resolved. Received Business Purpose & Occupancy Affidavit. | 05/XX/2026: Resolved. Received Business Purpose & Occupancy Affidavit. | 05/27/2026: Resolved. Received Business Purpose & Occupancy Affidavit. |  |  | QC Complete | 05/21/2026 | 05/27/2026 | 05/27/2026 | 05/21/2026 |
| 385 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | NNKGDUXWB4A-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | The property is documented as a PUD not a Condo therefore hazard insurance coverage must be equal to or less than the new loan amount. This is unless a RCE prepared by the hazard insurance provider is provided to document that the proposed coverage of XX is sufficient to rebuild the subject entirely. Provide a copy of the Replacement Cost Estimator prepared by the hazard insurance provider, as is currently, the dwelling coverage is insufficient in the amount of $XX since the new loan amount is $XX.<br> 05/XX/2026: Resolved. Received insurance with building coverage of $XX | 05/XX/2026: Resolved. Received insurance with building coverage of $XX | 05/08/2026: Resolved. Received insurance with building coverage of $XX |  |  | QC Complete | 04/23/2026 | 05/08/2026 | 05/08/2026 | 04/22/2026 |
| 390 | XX | XX |  | XX | Florida | XX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | SGWU0WISAJY-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Allowed 8.242% Charged 7.720% Overby +0.522%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 05/08/2026 | 05/08/2026 | 05/08/2026 | 05/07/2026 |
| 390 | XX | XX |  | XX | Florida | XX | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Credit | SGWU0WISAJY-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an executed VVOE for the employer "XX".<br> 05/XX/2026: Resolved. Received VVOE. | 05/XX/2026: Resolved. Received VVOE. | 05/13/2026: Resolved. Received VVOE. |  |  | QC Complete | 05/08/2026 | 05/13/2026 | 05/13/2026 | 05/07/2026 |
| 403 | XX | XX |  | XX | Florida | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | YHOLZHMTV1T-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | 6.The amount of title insurance $XX does not cover the loan amount $XX Provide a copy of the title supplement report to cover the loan amount.<br> 05/XX/2026: Resolved. Received updated title. | 05/XX/2026: Resolved. Received updated title. | 05/15/2026: Resolved. Received updated title. |  |  | QC Complete | 05/12/2026 | 05/15/2026 | 05/15/2026 | 05/11/2026 |
| 406 | XX | XX |  | XX | Maryland | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | GFLKQUNLJFA-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide copy of driver's license or other acceptable form of Identification for borrower (XX), as it is missing.<br> 05/XX/2026: Resolved. Received valid ID's | 05/XX/2026: Resolved. Received valid ID's | 05/28/2026: Resolved. Received valid ID's |  |  | QC Complete | 05/22/2026 | 05/28/2026 | 05/28/2026 | 05/21/2026 |
| 406 | XX | XX |  | XX | Oregon | XX | Cash Out | Not Covered/Exempt | 3 | 2 | Valuation | Doc Issue | EJWTPGUR4JE-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Appraisal reflects subject occupancy as owner occupied; however, loan file indicates investment property refinance. Provide appraiser clarification and/or updated appraisal confirming subject occupancy status. 05/XX/2026: Resolved. Received updated appraisal. | 05/XX/2026: Resolved. Received updated appraisal. | 05/22/2026: Resolved. Received updated appraisal. |  |  | QC Complete | 06/08/2026 | 06/08/2026 | 06/08/2026 | 06/08/2026 |
| 406 | XX | XX |  | XX | Oregon | XX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | EJWTPGUR4JE-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Requesting an exception for seasoning on a cash out refinance. Added to title 1XX/26 (Per notes, borrower inherited property upon passing of father. Mother, who is still living, transferred the property to the borrower.)<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 60.00% LTV is less than the guideline requirement of 75.00%.<br>DTI: 40.898% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 733 FICO exceeds the guideline requirement of 720.<br>|  | QC Complete | 06/08/2026 |  |  | 05/15/2026 |
| 407 | XX | XX |  | XX | Massachusetts | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | 2Z3PTG2WDQQ-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing.<br> 05/XX/2026: Resolved. Received Business Purpose & Occupancy Affidavit | 05/XX/2026: Resolved. Received Business Purpose & Occupancy Affidavit | 05/15/2026: Resolved. Received Business Purpose & Occupancy Affidavit |  |  | QC Complete | 05/12/2026 | 05/15/2026 | 05/15/2026 | 05/11/2026 |
| 411 | XX | XX |  | XX | New Jersey | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | QZAPZPU3LA4-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Requesting SLE for FTHB with no housing history<br>Exception approval present |  |  | 784 exceeds the minimum guideline requirement of 700<br>LTV of 70.51% is less than the maximum guideline requirement of 85%.<br>DTI of 31.77% is less than the maximum guideline requirement of 50%.<br>|  | QC Complete | 05/13/2026 |  |  | 05/08/2026 |
| 412 | XX | XX |  | XX | Maryland | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | UL22VP2YZYU-AEPG67BW | Resolved | 3 | R | \* Missing credit report (Lvl R) | Provide a copy of credit report for the borrower (XX) as it is missing.<br>05/XX/2026: Resolved. Received copy of credit report. | 05/XX/2026: Resolved. Received copy of credit report. | 05/28/2026: Resolved. Received copy of credit report. |  |  | QC Complete | 05/22/2026 | 05/28/2026 | 05/28/2026 | 05/21/2026 |
| 413 | XX | XX |  | XX | New Jersey | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | YGUHTEDG40I-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of proposed Lender's coverage on the Title Commitment is less than the loan amount. The document reflects coverage in the amount of $XX, however, the Note reflects a loan amount of $XX.<br>05/XX/2026: Resolved. Received updated title. | 05/XX/2026: Resolved. Received updated title. | 05/14/2026: Resolved. Received updated title. |  |  | QC Complete | 05/08/2026 | 05/14/2026 | 05/14/2026 | 05/07/2026 |
| 413 | XX | XX |  | XX | New Jersey | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | YGUHTEDG40I-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The first page of the LoanScorecard Findings is missing. Provide a complete copy including all pages.<br> 5/XX/2026: Resolved. Received Loanscore card. | 5/XX/2026: Resolved. Received Loanscore card. | 5/13/2026: Resolved. Received Loanscore card. |  |  | QC Complete | 05/08/2026 | 05/13/2026 | 05/13/2026 | 05/07/2026 |
| 417 | XX | XX |  | XX | Colorado | XX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XRBLVCBMWS4-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.967% Allowed 7.480% Overby +0.487%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 04/09/2026 | 04/09/2026 | 04/09/2026 | 04/09/2026 |
| 417 | XX | XX |  | XX | Colorado | XX | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Other Disclosures | XRBLVCBMWS4-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide full month bank statement for the month Jan-2025, as the file currently contains only one page, with all other pages missing.<br>04/XX/2026 Resolved : The copy of full month bank statement for Jan resolves the condition. | 04/XX/2026 Resolved : The copy of full month bank statement for Jan resolves the condition. | 04/20/2026 Resolved : The copy of full month bank statement for Jan resolves the condition. |  |  | QC Complete | 04/09/2026 | 04/20/2026 | 04/20/2026 | 04/09/2026 |
| 418 | XX | XX |  | XX | North Carolina | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | IX123ZBZC22-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br>05/XX/2026: Resolved. Received updated title. | 05/XX/2026: Resolved. Received updated title. | 05/05/2026: Resolved. Received updated title. |  |  | QC Complete | 04/29/2026 | 05/05/2026 | 05/05/2026 | 04/28/2026 |
| 419 | XX | XX |  | XX | Utah | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | 5UIU50MNYHZ-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Hazard insurance dwelling coverage of $XX is does not cover the loan amount $XX. Provide a copy of the replacement cost estimator or update the hazard insurance policy to cover the loan amount.<br>05/XX/2026: Countered. Increased coverage or a replacement cost estimator is still needed with a H03 policy.<br> 05/XX/2026: Countered. Coverage amount has been cleared but please confirm what is included in other perils.<br> 05/XX/2026: Resolved. Received Fannie Mae updates for HOI. | 05/XX/2026: Resolved. Received Fannie Mae updates for HOI. | 05/12/2026: Resolved. Received Fannie Mae updates for HOI. |  |  | QC Complete | 04/24/2026 | 05/12/2026 | 05/12/2026 | 04/22/2026 |
| 423 | XX | XX |  | XX | California | XX | Refinance | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | WC1SZJ1BZPS-HLXYYHQ9 | Resolved | 3 | R | \* ComplianceEase TILA Test Failed (Lvl R) | The Final CD shows a funding date of 03/XX/2026 - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br>Not Resolved 03/XX/2026: Final CD disbursement date 03/XX/2026 and received ROR document Cancel date also 03/XX/2026, Need correct disbursement date.<br>Resolved 03/XX/2026: Received disbursement date 03/XX/2026 and exception is cleared. | Resolved 03/XX/2026: Received disbursement date 03/XX/2026 and exception is cleared. | Resolved 03/19/2026: Received disbursement date 03/XX/2026 and exception is cleared. |  |  | QC Complete | 03/12/2026 | 03/19/2026 | 03/19/2026 | 03/12/2026 |
| 423 | XX | XX |  | XX | California | XX | Refinance | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | WC1SZJ1BZPS-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | Borrower Fico score of 737 does not meet the minimum guideline requirement of 740.<br>03/XX/2026: Waived: Compensating Factors: LTV: 79.73% FICO: 737, DTI: 36.64, Reserves: $201,000.00 |  |  | DTI: 26.58% DTI is less than the maximum guideline requirement of 45.00%.<br>Reserves: The 18 months of available reserves are more than the guideline requirement of 9 months |  | QC Complete | 03/12/2026 |  |  | 03/11/2026 |
| 423 | XX | XX |  | XX | California | XX | Refinance | Non-QM/Compliant | 4 | 2 | Credit | Credit | WC1SZJ1BZPS-EDXGB1F3 | Waived | 3 | W | \* Required Documentation Missing (Lvl W) | LTV of 80% does not meet the guideline requirement of minimum LTV of 75%. Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>03/XX/2026: Waived Comp factors provided. Minimum FICO: 754 (current score: 737. Maximum DTI: 35% (current DTI: 26.64%), Maximum LTV: 80% (current LTV: 79.734%), Minimum Reserves: $250,000 (current reserves: $201,000) |  |  | 737 exceeds the minimum guideline requirement of 680.<br>DTI of 26.58% is less than the maximum guideline requirement of 50%. |  | QC Complete | 03/12/2026 |  |  | 03/12/2026 |
| 426 | XX | XX |  | XX | Ohio | XX | Refinance | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XS0NK3KCULC-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Missing tax transcript for the year 2023. Full exception approval is required. The exception approval email is incomplete and is missing detail comp factors.<br> 04/XX/2026: Waived Received comp factors: Reduction of P&I payment from $11340 to $7,095. Reserves of $324,000.00 vs $30,000 required. LTV: 56.843. DTI: 27.610 |  |  | 70.64 months reserves exceed the minimum guideline of 6 months.<br>LTV of 56.84% is less than the maximum guideline requirement of 75%<br>DTI of 27.61% is less than the maximum guideline requirement of 50%.<br>|  | QC Complete | 03/26/2026 |  |  | 03/25/2026 |
| 435 | XX | XX |  | XX | Virginia | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | TCLAT0XHEK5-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide documentation confirming that the $XX lien with XX has been released.<br>03/XX/2026: Countered. Title states to be removed at time of final settlement based on lienholder recording mortgage satisfaction and will not be reflected on final loan policy. However this lien was not reflected as being paid on the final CD signed at closing. Additional proof that lien has been paid and will be released will be needed.<br>04/XX/2026: Resolved. Received Certificate and affidavit of satisfaction. | 04/XX/2026: Resolved. Received Certificate and affidavit of satisfaction. | 04/06/2026: Resolved. Received Certificate and affidavit of satisfaction. |  |  | QC Complete | 03/24/2026 | 04/06/2026 | 04/06/2026 | 03/25/2026 |
| 436 | XX | XX |  | XX | Texas | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | TNQPS5J5KLJ-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the updated title report reflecting the subject property address, XX, as is it missing.<br> 05/XX/2026: Resolved received updated title. | 05/XX/2026: Resolved received updated title. | 05/19/2026: Resolved received updated title. |  |  | QC Complete | 05/14/2026 | 05/19/2026 | 05/19/2026 | 05/12/2026 |
| 436 | XX | XX |  | XX | Texas | XX | Purchase | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | TNQPS5J5KLJ-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Resolved 05/XX/2026: Received Initial Closing Disclosure dated 04/XX/2026 and exception is cleared. | Resolved 05/XX/2026: Received Initial Closing Disclosure dated 04/XX/2026 and exception is cleared. | Resolved 05/19/2026: Received Initial Closing Disclosure dated 04/24/2026 and exception is cleared. |  |  | QC Complete | 05/14/2026 | 05/19/2026 | 05/19/2026 | 05/13/2026 |
| 436 | XX | XX |  | XX | Texas | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | TNQPS5J5KLJ-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan exception comments : 704 FICO vs 720 FICO required for 90% LTV<br>Guidelines, for primary residence purchase loans, the minimum allowed FICO is 720 with an LTV/CLTV of 90%. The borrower's credit FICO is 704, and the LTV/CLTV is 90%, which does not meets the guideline requirements. |  |  | 704 exceeds the minimum guideline requirement of 720<br>DTI of 36.97% is less than the maximum guideline requirement of 50%.<br>LTV of 90% is greater than the maximum guideline requirement of 90%.<br>|  | QC Complete | 05/14/2026 |  |  | 05/12/2026 |
| 444 | XX | XX |  | XX | Pennsylvania | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XEJNQYWF22Q-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | (12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.646% Allowed 7.760% Oevrby +0.886%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 05/27/2026 | 05/27/2026 | 05/27/2026 | 05/26/2026 |
| 447 | XX | XX |  | XX | New Jersey | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | 4PWW3PTTA2Z-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | FTHB living rent free for more than 5 years with no history of housing payment<br>Exception approval present |  |  | 754 exceeds the minimum guideline requirement of 700<br>DTI of 41.89% is less than the maximum guideline requirement of 50%.<br>LTV of 68% is less than the maximum guideline requirement of 85%. |  | QC Complete | 04/16/2026 |  |  | 04/12/2026 |
| 447 | XX | XX |  | XX | New Jersey | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Doc Issue | 4PWW3PTTA2Z-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount with ISAOS Clause.<br> 04/XX/2026: Resolved. Received updated title. | 04/XX/2026: Resolved. Received updated title. | 04/23/2026: Resolved. Received updated title. |  |  | QC Complete | 04/16/2026 | 04/23/2026 | 04/23/2026 | 04/12/2026 |
| 461 | XX | XX |  | XX | Virginia | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | B0ZILYVEI04-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of HOA document for Property address "XX"<br>03/XX/2026: Resolved. Received proof of no HOA | 03/XX/2026: Resolved. Received proof of no HOA | 03/31/2026: Resolved. Received proof of no HOA |  |  | QC Complete | 03/25/2026 | 03/31/2026 | 03/31/2026 | 03/24/2026 |
| 461 | XX | XX |  | XX | Virginia | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | B0ZILYVEI04-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Business formation document (active status) missing for both businesses "XX".<br> 04/XX/2026: Resolved. Received Entity good standing document. | 04/XX/2026: Resolved. Received Entity good standing document. | 04/03/2026: Resolved. Received Entity good standing document. |  |  | QC Complete | 03/25/2026 | 04/03/2026 | 04/03/2026 | 03/24/2026 |
| 463 | XX | XX |  | XX | New Jersey | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | J4KVYWGXEIF-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The coverage amount of $XX on the title report is less than the mortgage loan amount of $XX. Provide a copy of the Title Supplement reflecting coverage for the full loan amount.<br>03/XX/2026: Resolved: Received updated title. | 03/XX/2026: Resolved: Received updated title. | 03/25/2026: Resolved: Received updated title. |  |  | QC Complete | 03/13/2026 | 03/25/2026 | 03/25/2026 | 03/12/2026 |
| 463 | XX | XX |  | XX | New Jersey | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | J4KVYWGXEIF-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of updated Lease agreement for the property address : XX<br>03/XX/2026: Countered. The letter provided is not an updated lease signed by the tenant and landlord. It is a letter of Attornment. An updated lease signed by the tenant and landlord will be needed.<br>04/XX/2026: Resolved. Received Attornment and copy of lease. | 04/XX/2026: Resolved. Received Attornment and copy of lease. | 04/03/2026: Resolved. Received Attornment and copy of lease. |  |  | QC Complete | 03/13/2026 | 04/03/2026 | 04/03/2026 | 03/12/2026 |
| 465 | XX | XX |  | XX | Florida | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | PTDWZ0GB3ZS-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing Business Purpose Affidavit.<br> 04/XX/2026: Resolved. Received Business Purpose and Occupancy Affidavit. | 04/XX/2026: Resolved. Received Business Purpose and Occupancy Affidavit. | 04/22/2026: Resolved. Received Business Purpose and Occupancy Affidavit. |  |  | QC Complete | 06/08/2026 | 06/08/2026 | 06/08/2026 | 04/20/2026 |
| 474 | XX | XX |  | XX | Maryland | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | D52NGQQ4EF1-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the VOM for the property located at 1XX to verify the payment history.<br> 04/XX/2026: Countered. A VOM or credit supplement is needed. The document provided was just a mortgage statement.<br> 04/XX/2026: Countered. The borrowers are owners of the company the XXX. A VOM is needed.<br> 04/XX/2026: resolved. The Drive report doesn't show anything for XX being in the borrower's personal name. nor does the MERS Report. the billing statement provided shows in the business name | 04/XX/2026: resolved. The Drive report doesn't show anything for XXbeing in the borrower's personal name. nor does the MERS Report. the billing statement provided shows in the business name | 04/14/2026: resolved. The Drive report doesn't show anything for XX being in the borrower's personal name. nor does the MERS Report. the billing statement provided shows in the business name |  |  | QC Complete | 03/25/2026 | 04/14/2026 | 04/14/2026 | 03/25/2026 |
| 480 | XX | XX |  | XX | Colorado | XX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | BY10SKKIYH3-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | 719 vs 720 FICO needed<br>Exception approval present |  |  | 719 exceeds the minimum guideline requirement of 700<br>LTV of 74.29 % is less than the maximum guideline requirement of 85%.<br>6 months reserves exceed the minimum guideline of 3 months.<br>|  | QC Complete | 05/08/2026 |  |  | 05/07/2026 |
| 484 | XX | XX |  | XX | Texas | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | ITDWKY3KKS4-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of proposed Lender's coverage on the Title Commitment is less than the loan amount. The document reflects coverage in the amount of $XX, however, the Note reflects a loan amount of XX<br> 05/XX/2026: Resolved. Received updated title. | 05/XX/2026: Resolved. Received updated title. | 05/14/2026: Resolved. Received updated title. |  |  | QC Complete | 05/08/2026 | 05/14/2026 | 05/14/2026 | 05/07/2026 |
| 484 | XX | XX |  | XX | Texas | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Compliance | Compliance | ITDWKY3KKS4-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Resolved 05/XX/2026: Received Initial Closing Disclosure dated 04/XX/2026 and exception is cleared. | Resolved 05/XX/2026: Received Initial Closing Disclosure dated 04/XX/2026 and exception is cleared. | Resolved 05/13/2026: Received Initial Closing Disclosure dated 04/08/2026 and exception is cleared. |  |  | QC Complete | 05/08/2026 | 05/13/2026 | 05/13/2026 | 05/07/2026 |
| 484 | XX | XX |  | XX | Texas | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | ITDWKY3KKS4-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing.<br> 05/XX/2026: Resolved. Received Business Purpose & Occupancy Affidavit. | 05/XX/2026: Resolved. Received Business Purpose & Occupancy Affidavit. | 05/13/2026: Resolved. Received Business Purpose & Occupancy Affidavit. |  |  | QC Complete | 05/08/2026 | 05/13/2026 | 05/13/2026 | 05/07/2026 |
| 488 | XX | XX |  | XX | Colorado | XX | Cash Out | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | D4OBRVABSXM-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Borrower does not meet two years self employment with 25% ownership interest in a business. <br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 55.00% LTV is less than the guideline requirement of 80.00%.<br>FICO: 740 FICO exceeds the guideline requirement of 700.<br>DTI: 4.34% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 06/08/2026 |  |  | 05/07/2026 |
| 489 | XX | XX |  | XX | California | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | UN50I0RJ1KL-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Loan scorecard 1st page is missing, provide a copy of updated loan scorecard.<br> 05/XX/2026: Resolved. Received Loanscore card. | 05/XX/2026: Resolved. Received Loanscore card. | 05/14/2026: Resolved. Received Loanscore card. |  |  | QC Complete | 05/08/2026 | 05/14/2026 | 05/14/2026 | 05/07/2026 |
| 492 | XX | XX |  | XX | Florida | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | H0RIP4AZFKL-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an updated Deed of Trust (DOT) resolve the trust name discrepancy, as the Note and Trust documents the Trustee name reflecting 'XXX' and Deed of Trust (DOT) document reflecting 'XX, there is a mismatch in the middle name.<br> 05/XX/2026; Resolved. Received corrected DOT | 05/XX/2026; Resolved. Received corrected DOT | 05/15/2026; Resolved. Received corrected DOT |  |  | QC Complete | 04/29/2026 | 05/15/2026 | 05/15/2026 | 04/28/2026 |
| 493 | XX | XX |  | XX | Colorado | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | N1SG0KBTKIB-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide Supporting document for housing expense $60.76<br>05/XX/2026: Countered. The signed CD shows the taxes at $267.90 per month for the taxes which is the amount listed on the final 1008. No proof of increased taxes were provided. Will need supporting documentation for the increase in real estate taxes to cover the additional $60.76.<br>05/XX/2026: Received property tax certificate. | 05/XX/2026: Received property tax certificate. | 05/22/2026: Received property tax certificate. |  |  | QC Complete | 05/08/2026 | 05/22/2026 | 05/22/2026 | 05/07/2026 |
| 498 | XX | XX |  | XX | Arizona | XX | Refinance | Non-QM/Compliant | 4 | 1 | Credit | Doc Issue | JKBRJPK1RUA-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX<br>03/XX/2026: Resolved. Received updated title. | 03/XX/2026: Resolved. Received updated title. | 03/27/2026: Resolved. Received updated title. |  |  | QC Complete | 03/25/2026 | 03/27/2026 | 03/27/2026 | 03/24/2026 |
| 498 | XX | XX |  | XX | Arizona | XX | Refinance | Non-QM/Compliant | 4 | 1 | Credit | Credit | JKBRJPK1RUA-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of assets documents to cover the required reserves of $11,625.78<br>03/XX/2026: Countered. Need an actual exception form completed with compensating factors.<br> 04/XX/2026: Resolved. Guidelines state that Rate/Term refinance transactions do not require reserves if the loan amount is < $1.5M, it's a primary residence, the mortgage history is 0x30x12, te subject property hosuing payment is decreasing, and borrower does not have a prior bankruptcy, foreclosure, shortsale, DIL, preforeclosure, or ortgage charge-off. | 04/XX/2026: Resolved. Guidelines state that Rate/Term refinance transactions do not require reserves if the loan amount is < $1.5M, it's a primary residence, the mortgage history is 0x30x12, te subject property hosuing payment is decreasing, and borrower does not have a prior bankruptcy, foreclosure, shortsale, DIL, preforeclosure, or mortgage charge-off. | 04/03/2026: Resolved. Guidelines state that Rate/Term refinance transactions do not require reserves if the loan amount is < $1.5M, it's a primary residence, the mortgage history is 0x30x12, te subject property hosuing payment is decreasing, and borrower does not have a prior bankruptcy, foreclosure, shortsale, DIL, preforeclosure, or mortgage charge-off. |  |  | QC Complete | 03/25/2026 | 04/03/2026 | 04/03/2026 | 03/24/2026 |
| 498 | XX | XX |  | XX | Arizona | XX | Refinance | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | JKBRJPK1RUA-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.999% Allowed 7.480% Overby +0.519%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/25/2026 | 03/25/2026 | 03/25/2026 | 03/24/2026 |
| 504 | XX | XX |  | XX | Florida | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | RY4WNHMR34G-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br> 04/XX/2026: Resolved. Received updated title. | 04/XX/2026: Resolved. Received updated title. | 04/08/2026: Resolved. Received updated title. |  |  | QC Complete | 03/12/2026 | 04/08/2026 | 04/08/2026 | 03/11/2026 |
| 507 | XX | XX |  | XX | South Dakota | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | 03XZOGEA0PW-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an updated Loan scorecard with 1st page as it is missing<br> 04/XX/2026: Resolved. Received Loanscore card | 04/XX/2026: Resolved. Received Loanscore card | 04/01/2026: Resolved. Received Loanscore card |  |  | QC Complete | 03/26/2026 | 04/01/2026 | 04/01/2026 | 03/25/2026 |
| 507 | XX | XX |  | XX | South Dakota | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | 03XZOGEA0PW-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide supporting document for the liabilities as it is missing.<br>XX<br>04/XX/2026: Resolved; Received loe that states The XX statement shows that this is an open account and also a revolving account. the open account is for $3,485.93 which is listed and we have enough assets to cover this balance. The full payment that is due is $5,273.96 which is the open balance of $3,485.93 and the revolving payment of $XXX which shows $1,789.00 in our system and being hit in ratios. for the XX of a monthly payment of $155, this is showing on the credit report with a balance of $3,090 and we used 5% of balance to qualify. | 04/XX/2026: Resolved; Received loe that states The XX statement shows that this is an open account and also a revolving account. the open account is for $3,485.93 which is listed and we have enough assets to cover this balance. The full payment that is due is $5,273.96 which is the open balance of $3,485.93 and the revolving payment of $1,788.03 which shows $1,789.00 in our system and being hit in ratios. for the XX XX of a monthly payment of $155, this is showing on the credit report with a balance of $3,090 and we used 5% of balance to qualify. | 04/03/2026: Resolved; Received loe that states The XX statement shows that this is an open account and also a revolving account. the open account is for $3,485.93 which is listed and we have enough assets to cover this balance. The full payment that is due is $5,273.96 which is the open balance of $3,485.93 and the revolving payment of $1,788.03 which shows $1,789.00 in our system and being hit in ratios. for the XX of a monthly payment of $155, this is showing on the credit report with a balance of $3,090 and we used 5% of balance to qualify. |  |  | QC Complete | 03/26/2026 | 04/03/2026 | 04/03/2026 | 03/25/2026 |
| 509 | XX | XX |  | XX | Arkansas | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 142PGSPOOKX-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.850% Allowed 7.480% Overby+1.370%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 04/17/2026 | 04/17/2026 | 04/17/2026 | 04/14/2026 |
| 513 | XX | XX |  | XX | Wisconsin | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | JKZULZWVVHU-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of LOX for the liability account XX4, excluded in DTI Calculation.<br>Resolved: Received LOX stating the XX and XX credit cards were paid off and there are current credit card statements in the file reflecting zero balance. TheXX was a cargeoff.24 months. | Resolved: Received LOX stating the XX and XX credit cards were paid off and there are current credit card statements in the file reflecting zero balance. TheXX was a cargeoff.24 months. | Resolved: Received LOX stating the XX and XX credit cards were paid off and there are current credit card statements in the file reflecting zero balance. The XX was a cargeoff.24 months. |  |  | QC Complete | 04/27/2026 | 05/06/2026 | 05/06/2026 | 04/24/2026 |
| 521 | XX | XX |  | XX | Tennessee | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | ASSI2MUH0L3-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The executed 1-4 Family Rider is missing; the copy in the file is not signed.<br> 04/XX/2026: Resolved. Received 1-4 rider | 04/XX/2026: Resolved. Received 1-4 rider | 04/21/2026: Resolved. Received 1-4 rider |  |  | QC Complete | 04/15/2026 | 04/21/2026 | 04/21/2026 | 04/11/2026 |
| 527 | XX | XX |  | XX | Georgia | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | DQQB4552OA4-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of tax certificate or tax info for subject property to verify the monthly tax amount of $1,490.27 as it is missing.<br>03/XX/2026: Countered: A copy of the actual tax certificate or tax information from the title company is needed to verify the tax amount of $1,490.27.<br>04/XX/2026: Resolved. Received Used last years invoice, closing corp smart fees transaction detail and calculated taxes without giving them exemptions. | 04/XX/2026: Resolved. Received Used last years invoice, closing corp smart fees transaction detail and calculated taxes without giving them exemptions. | 04/03/2026: Resolved. Received Used last years invoice, closing corp smart fees transaction detail and calculated taxes without giving them exemptions. |  |  | QC Complete | 03/12/2026 | 04/03/2026 | 04/03/2026 | 03/12/2026 |
| 532 | XX | XX |  | XX | Washington | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | QIFKS5VS01L-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XXdoes not cover the loan amount $XX rovide a copy of the title supplement report to cover the loan amount.<br> 04/XX/2026: Resolved. Received updated title. | 04/XX/2026: Resolved. Received updated title. | 04/01/2026: Resolved. Received updated title. |  |  | QC Complete | 03/26/2026 | 04/01/2026 | 04/01/2026 | 03/25/2026 |
| 540 | XX | XX |  | XX | Washington | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | S2352E0NVYM-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of 1 month consecutive Bank statement of XX which is missing<br> 04/XX/2026: Resolved. Received January 1-February 28, 2026 statement. | 04/XX/2026: Resolved. Received January 1-February 28, 2026 statement. | 04/20/2026: Resolved. Received January 1-February 28, 2026 statement. |  |  | QC Complete | 04/15/2026 | 04/20/2026 | 04/20/2026 | 04/09/2026 |
| 540 | XX | XX |  | XX | Washington | XX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | S2352E0NVYM-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide a copy of CDA as it is missing<br> 04/XX/2026: Resolved. No CDA required. 2 full appraisals were used. | 04/XX/2026: Resolved. No CDA required. 2 full appraisals were used. | 04/21/2026: Resolved. No CDA required. 2 full appraisals were used. |  |  | QC Complete | 04/15/2026 | 04/21/2026 | 04/21/2026 | 04/09/2026 |
| 541 | XX | XX |  | XX | Minnesota | XX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | QJAZUCPMYKC-YXK20TJA | Resolved | 3 | R | \* Subject or Comp Photos are missing or illegible (Lvl R) | Rent comparable photos are missing from the loan package. Provide photos of all rent comparables listed in the appraisal.<br>05/XX/2026: Resolved. Received rent comp photos | 05/XX/2026: Resolved. Received rent comp photos | 05/11/2026: Resolved. Received rent comp photos |  |  | QC Complete | 04/28/2026 | 05/11/2026 | 05/11/2026 | 04/28/2026 |
| 541 | XX | XX |  | XX | Minnesota | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | QJAZUCPMYKC-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing.<br>04/XX/2026: Resolved. Received Business Purpose & Occupancy Affidavit. | 04/XX/2026: Resolved. Received Business Purpose & Occupancy Affidavit. | 04/30/2026: Resolved. Received Business Purpose & Occupancy Affidavit. |  |  | QC Complete | 04/28/2026 | 04/30/2026 | 04/30/2026 | 04/28/2026 |
| 544 | XX | XX |  | XX | North Carolina | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | BSB3IWAWXVJ-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the receipt or supporting documentation for payment of $1,235.00 for property #XX (e.g., property tax, hazard insurance, or HOA dues).<br>05/XX/2026: Resolved. Received proof of HOA | 05/XX/2026: Resolved. Received proof of HOA | 05/21/2026: Resolved. Received proof of HOA |  |  | QC Complete | 05/08/2026 | 05/21/2026 | 05/21/2026 | 05/07/2026 |
| 552 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | KYWXBVHZGZU-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of proof document for Net rental income $3,900 for the subject property xx<br>04/XX/2026: Resolved. Received the following LOE form 1025 reflects market rents of $6,000 for unit 1 and $5,500 for unit 2. UW utilized the lower - supported market rent of $5,5-- amd applied 75% rent factor, resulting in net qualifing rental income of $4,125 for the additional unit. this is a 2-unit owner-occupied purchase; appraisal-supported market rent is permitted when no lease is in place, rental income is included in income, and PITIA is included as a liability for 2-4 unit OO propertied. guideline support: section 8A.6(f)(v)-(vi), p. 112. | 04/XX/2026: Resolved. Received the following LOE form 1025 reflects market rents of $6,000 for unit 1 and $5,500 for unit 2. UW utilized the lower - supported market rent of $5,5-- amd applied 75% rent factor, resulting in net qualifing rental income of $4,125 for the additional unit. this is a 2-unit owner-occupied purchase; appraisal-supported market rent is permitted when no lease is in place, rental income is included in income, and PITIA is included as a liability for 2-4 unit OO propertied. guideline support: section 8A.6(f)(v)-(vi), p. 112. | 04/23/2026: Resolved. Received the following LOE form 1025 reflects market rents of $6,000 for unit 1 and $5,500 for unit 2. UW utilized the lower - supported market rent of $5,5-- amd applied 75% rent factor, resulting in net qualifing rental income of $4,125 for the additional unit. this is a 2-unit owner-occupied purchase; appraisal-supported market rent is permitted when no lease is in place, rental income is included in income, and PITIA is included as a liability for 2-4 unit OO propertied. guideline support: section 8A.6(f)(v)-(vi), p. 112. |  |  | QC Complete | 04/13/2026 | 04/23/2026 | 04/23/2026 | 04/10/2026 |
| 552 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | KYWXBVHZGZU-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Using 90% of the XX business bank account vs Max 75% of lender guideline.<br>Exception Approval present.<br> 04/XX/2026: countered. Received a copy of appraisal. What is needed is Using 90% of the XX business bank account vs Max 75% of lender guideline.<br>Exception Approval present. |  |  | 808 exceeds the minimum guideline requirement of 720<br>19.759 months reserves exceed the minimum guideline of 3 months.<br>DTI of 48.74% is less than the maximum guideline requirement of 50%. |  | QC Complete | 04/13/2026 |  |  | 04/10/2026 |
| 555 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | FS52PYHNYIL-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of the title supplement report to cover the loan amount, The amount of title insurance $XX does not cover the loan amount $XX.<br> 05/XX/2026: Resolved. Received updated title. | 05/XX/2026: Resolved. Received updated title. | 05/14/2026: Resolved. Received updated title. |  |  | QC Complete | 05/08/2026 | 05/14/2026 | 05/14/2026 | 05/07/2026 |
| 555 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | FS52PYHNYIL-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide the business bank statements for XX account #XX for the period from 1/XX/2026 to 1/XX/2026, reflecting an ending balance of $20,820.07, to verify the assets.<br>05/XX/2026: Resolved. Received statement dated 02/XX/2026 with balance of $496,902.69 | 05/XX/2026: Resolved. Received statement dated 02/XX/2026 with balance of $496,902.69 | 05/13/2026: Resolved. Received statement dated 02/14/2026 with balance of $496,902.69 |  |  | QC Complete | 05/08/2026 | 05/13/2026 | 05/13/2026 | 05/07/2026 |
| 562 | XX | XX |  | XX | Washington | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Title Review | S5ESR44FCVQ-A7YJSEV7 | Resolved | 3 | R | \* Title issue (Lvl R) | The title report reflects the title company name as XX, while the Closing Protection Letter and Final Closing Disclosure reflect the title company name as WFG National Title Insurance Company. Provide an explanation for the discrepancy in the title company name or an updated title report.<br>04/XX/2026: Resolved. Received updated title | 04/XX/2026: Resolved. Received updated title | 04/21/2026: Resolved. Received updated title |  |  | QC Complete | 03/13/2026 | 04/21/2026 | 04/21/2026 | 03/13/2026 |
| 570 | XX | XX |  | XX | New York | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | JN4GCHSOKFJ-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | The borrower's government-issued ID expired on 01/XX/2023 prior to the closing date 03/XX/2026. Provide a valid, unexpired government ID.<br> 04/XX/2026: Resolved. Received valid ID | 04/XX/2026: Resolved. Received valid ID | 04/01/2026: Resolved. Received valid ID |  |  | QC Complete | 03/26/2026 | 04/01/2026 | 04/01/2026 | 03/26/2026 |
| 571 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | PSHJ0URG4RZ-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.154% Allowed 7.800% Overby +0.354%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 05/11/2026 | 05/11/2026 | 05/11/2026 | 05/08/2026 |
| 577 | XX | XX |  | XX | New York | XX | Cash Out | Not Covered/Exempt | 4 | 2 | Credit | Eligibility | HX3DBOHUOSO-GF2W2CF1 | Waived | 4 | W | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl W) | Original LTV is 80% exceeds the maximum guidelines LTV 75%.<br>4/XX/2026 Waived. Received comp factors. 38% DTI compared to guideline max of 50%. 778 FICO compared to guideline minimum of 720. $101,000 in excess reserves over guideline requirement. |  |  | 38% DTI compared to guideline max of 50%.<br> 778 FICO compared to guideline minimum of 720. <br> $101,000 in excess reserves over guideline requirement. |  | QC Complete | 03/26/2026 |  |  | 03/26/2026 |
| 590 | XX | XX |  | XX | California | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | QOS1UHJSG3L-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of Title supplement with sufficient insurance to cover the loan amount.<br> 04/XX/2026: Resolved. Received updated title. | 04/XX/2026: Resolved. Received updated title. | 04/08/2026: Resolved. Received updated title. |  |  | QC Complete | 06/08/2026 | 06/08/2026 | 06/08/2026 | 03/26/2026 |
| 597 | XX | XX |  | XX | Georgia | XX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | SPS35KBD1ZR-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Resolved 04/XX/2026: Received Initial Closing Disclosure dated 03/XX/2026 and exception is cleared. | Resolved 04/XX/2026: Received Initial Closing Disclosure dated 03/XX/2026 and exception is cleared. | Resolved 04/20/2026: Received Initial Closing Disclosure dated 03/23/2026 and exception is cleared. |  |  | QC Complete | 04/16/2026 | 04/20/2026 | 04/20/2026 | 04/13/2026 |
| 598 | XX | XX |  | XX | Hawaii | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | ZFCNL1X2TNQ-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of revised Mortgage/Deed of Trust with Correct vesting (ownership). Note reflects 2 borrower (XX<br> 04/XX/2026: Resolved. received LOE stating that the co-borrower in not in vesting because the property is not their primary residence. They are not required to be in vesting. | 04/XX/2026: Resolved. received LOE stating that the co-borrower in not in vesting because the property is not their primary residence. They are not required to be in vesting. | 04/28/2026: Resolved. received LOE stating that the co-borrower in not in vesting because the property is not their primary residence. They are not required to be in vesting. |  |  | QC Complete | 04/15/2026 | 04/28/2026 | 04/28/2026 | 04/15/2026 |
| 598 | XX | XX |  | XX | Hawaii | XX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Appraisal | ZFCNL1X2TNQ-ANNC2X7V | Resolved | 3 | R | \* The Appraisal License is Missing (Lvl R) | Provide a copy of updated appraisal license, as it is missing.<br>04/XX/2026; Resolved. Received appraisers license. | 04/XX/2026; Resolved. Received appraisers license. | 04/20/2026; Resolved. Received appraisers license. |  |  | QC Complete | 04/15/2026 | 04/20/2026 | 04/20/2026 | 04/15/2026 |
| 608 | XX | XX |  | XX | North Carolina | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit Worthiness | XPIQIM4WSAG-5P9MK5KK | Resolved | 3 | R | \* Mortgage history for primary residence less than 12 months (Lvl R) | Provide documentation confirming that XXis owned free and clear, along with the purchase date to verify seasoning. Current VOR covers only 3 months and is insufficient. Insurance lists XX as mortgagee—confirm the loan is paid in full and provide a VOM showing the account as closed.<br>05/XX/2026: Resolved: Property is n ot owned free and clear. XX is still open and referenced on credit report with reporting through 01/26 that was opened 4/XX/2023. Credit supplement is in file to support account still open and has a $0 balance with no payment as of 03/XX/2026. VOR is in file to support rental payment history from when brw started renting through current. | 05/XX/2026: Resolved: Property is n ot owned free and clear. XX is still open and referenced on credit report with reporting through 01/26 that was opened 4/XX/2023. Credit supplement is in file to support account still open and has a $0 balance with no payment as of 03/XX/2026. VOR is in file to support rental payment history from when brw started renting through current. | 05/05/2026: Resolved: Property is n ot owned free and clear. XX is still open and referenced on credit report with reporting through 01/26 that was opened 4/25/2023. Credit supplement is in file to support account still open and has a $0 balance with no payment as of 03/25/2026. VOR is in file to support rental payment history from when brw started renting through current. |  |  | QC Complete | 06/08/2026 | 06/08/2026 | 06/08/2026 | 04/24/2026 |
| 611 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | BSXEM5JUHZH-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of Title Supplemental Report to cover the loan amount $XX<br> 04/XX/2026: Resolved. Updated title provided. | 04/XX/2026: Resolved. Updated title provided. | 04/21/2026: Resolved. Updated title provided. |  |  | QC Complete | 04/15/2026 | 04/21/2026 | 04/21/2026 | 04/12/2026 |
| 613 | XX | XX |  | XX | Tennessee | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 40IDLP2WAJK-J9U91B37 | Resolved | 3 | R | \* LOE (Lvl R) | Provide a copy of the LOE for the REO located at XX for no HOA due.<br> Resolved: 04/XX/2026. received evidence of no HOA | Resolved: 04/XX/2026. received evidence of no HOA | Resolved: 04/20/2026. received evidence of no HOA |  |  | QC Complete | 06/08/2026 | 06/08/2026 | 06/08/2026 | 04/15/2026 |
| 622 | XX | XX |  | XX | Indiana | XX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | 3JN140BOP0T-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | XX 1 year 1099 product - borrower files 1120S<br>Exception approval present. |  |  | Credit score: Borrower FICO 785 is greater than minimum guideline FICO 720.<br>DTI: Subject DTI 42% is less than guideline maximum DTI 50%.<br>Reserves: Borrower has surplus reserves of $34,407.82. |  | QC Complete | 05/11/2026 |  |  | 05/11/2026 |
| 624 | XX | XX |  | XX | California | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | 2HKTJFS4IMK-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The first page of the loan scorecard is missing. Provide a copy of the updated loan scorecard.<br> 05/XX/2026: Resolved. Received copy of LoanScorecard. | 05/XX/2026: Resolved. Received copy of LoanScorecard. | 05/15/2026: Resolved. Received copy of LoanScorecard. |  |  | QC Complete | 05/12/2026 | 05/15/2026 | 05/15/2026 | 05/08/2026 |
| 625 | XX | XX |  | XX | New Jersey | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | DMBKRXGPQLQ-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy updated Title Report to cover the loan amount $XX<br> 05/XX/2026: Resolved. Received updated title. | 05/XX/2026: Resolved. Received updated title. | 05/14/2026: Resolved. Received updated title. |  |  | QC Complete | 05/08/2026 | 05/14/2026 | 05/14/2026 | 05/07/2026 |
| 631 | XX | XX |  | XX | Pennsylvania | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 42GXXRH43R4-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.590% Allowed 7.620% Overby +0.970%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 04/28/2026 | 04/28/2026 | 04/28/2026 | 04/27/2026 |
| 631 | XX | XX |  | XX | Pennsylvania | XX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | 42GXXRH43R4-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a supporting document for the gift amount $3,900<br>05/085/2026: Resolved. Received a LOX stating per the underwriter this gift was an input error for the down payment. No gift funds were uses. | 05/085/2026: Resolved. Received a LOX stating per the underwriter this gift was an input error for the down payment. No gift funds were uses. | 05/085/2026: Resolved. Received a LOX stating per the underwriter this gift was an input error for the down payment. No gift funds were uses. |  |  | QC Complete | 04/28/2026 | 05/08/2026 | 05/08/2026 | 04/27/2026 |
| 638 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | SGGQIX2H5E3-L2NRUFUV | Resolved | 3 | R | \* Intent to Proceed Missing (Lvl R) | Missing Intent to Proceed.<br>Resolved 05/XX/2026: Received Intent to proceed document dated 04/XX/2026 and exception is cleared. | Resolved 05/XX/2026: Received Intent to proceed document dated 04/XX/2026 and exception is cleared. | Resolved 05/18/2026: Received Intent to proceed document dated 04/01/2026 and exception is cleared. |  |  | QC Complete | 05/13/2026 | 05/18/2026 | 05/18/2026 | 05/13/2026 |
| 645 | XX | XX |  | XX | New York | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 5LN51VRVGUP-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of Supplemental report of title. Amount of title insurance is not sufficient to cover the loan amount.<br> 05/XX/2026: Resolved. Received updated title. | 05/XX/2026: Resolved. Received updated title. | 05/07/2026: Resolved. Received updated title. |  |  | QC Complete | 04/30/2026 | 05/07/2026 | 05/07/2026 | 04/28/2026 |
| 647 | XX | XX |  | XX | California | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | SZGGJ1143J5-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Coverage amount $508,500 on the title report is less than the loan amount of $XXX. Provide a copy of updated title supplement to cover the loan amount.<br>05/XX/2026: Resolved received updated title. | 05/XX/2026: Resolved received updated title. | 05/19/2026: Resolved received updated title. |  |  | QC Complete | 04/28/2026 | 05/19/2026 | 05/19/2026 | 04/27/2026 |
| 648 | XX | XX |  | XX | California | XX | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Guidelines | OMDX3JPX3YE-J587LE2V | Resolved | 4 | R | \* Loan does not conform to program guidelines (Lvl R) | Guidelines require a minimum of three tradelines with at least 12 months of payment history. The credit report reflects only two tradelines reporting for 12 months, which does not meet guideline requirements.<br> 05/XX/2026: Resolved. Guidelines state •  Two (2) open tradelines are acceptable if both tradelines are:<br> o<br> Open for the most recent twenty-four (24) months prior to the application date, and<br> o<br> Both tradelines have activity in the past twelve (12) months from the application date. | 05/XX/2026: Resolved. Guidelines state •  Two (2) open tradelines are acceptable if both tradelines are:<br> o<br> Open for the most recent twenty-four (24) months prior to the application date, and<br> o<br> Both tradelines have activity in the past twelve (12) months from the application date. | 05/19/2026: Resolved. Guidelines state •  Two (2) open tradelines are acceptable if both tradelines are:<br> o<br> Open for the most recent twenty-four (24) months prior to the application date, and<br> o<br> Both tradelines have activity in the past twelve (12) months from the application date. |  |  | QC Complete | 05/11/2026 | 05/19/2026 | 05/19/2026 | 05/07/2026 |
| 660 | XX | XX |  | XX | Arizona | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | BANYDF43AN2-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Coverage amount $XX on the title report is less than the mortgage loan amount of $XX. Provide a copy of Title supplement to cover the loan amount.<br>03/XX/2026: Resolved. Received updated title | 03/XX/2026: Resolved. Received updated title | 03/30/2026: Resolved. Received updated title |  |  | QC Complete | 03/24/2026 | 03/30/2026 | 03/30/2026 | 03/24/2026 |
| 668 | XX | XX |  | XX | Michigan | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 1EANRNBIERI-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test:Charged 8.489% Allowed 7.620% Overby +0.869%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 05/13/2026 | 05/13/2026 | 05/13/2026 | 05/12/2026 |
| 669 | XX | XX |  | XX | Georgia | XX | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | S032UQVSGKX-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.167% Allowed 7.930% Overby +0.237%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 05/13/2026 | 05/13/2026 | 05/13/2026 | 05/12/2026 |
| 669 | XX | XX |  | XX | Georgia | XX | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | S032UQVSGKX-0O1J05XI | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | TRID violation due to Appraisal fee increase on Final CD dated 04/XX/2026. Initial LE dated 04/XX/2026 reflects Appraisal fee as $525.00 however, revised LE dated 04/XX/2026 reflects the Appraisal fee as $675.00. Require PCCD/COC to cure the tolerance violation of $150.00.<br>Resolved 05/XX/2026: Received COC dated 04/XX/2026 and exception is cleared. | Resolved 05/XX/2026: Received COC dated 04/XX/2026 and exception is cleared. | Resolved 05/18/2026: Received COC dated 04/16/2026 and exception is cleared. |  |  | QC Complete | 05/13/2026 | 05/18/2026 | 05/18/2026 | 05/12/2026 |
| 669 | XX | XX |  | XX | Georgia | XX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | S032UQVSGKX-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Proceeding with a borrower who is living rent free for more than 12 months from the application date. <br>Exception Approval Present. |  |  | Low DTI : DTI of 35.70% is less than the maximum guideline requirement of 50%.<br>LTV of 85% is Satisfy the maximum guideline requirement of 85%.<br>Reserve : 13.841 months reserves exceed the minimum guideline of 3 months. |  | QC Complete | 05/13/2026 |  |  | 05/13/2026 |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_001.jpg)

NRMLT 2026-NQM8<br>Rithm Capital Corp.<br>

Opus Capital Markets Consultants, LLC

5718 Westheimer Road - Suite 1000\| Houston, TX 77057\| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**June 18, 2026**

**Performed by**

**Opus Capital Markets Consultants, LLC**

**For**

**Rithm Capital Corp.**

The report summarizes the results of a due diligence review performed on a pool of 250 loans provided by Rithm Capital Corp. ("Customer") who provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains one hundred fifty (150) Non-QM loans and one hundred (100) ATR/QM Exempt loans, of which seventy-five (75) are DSCR loans and twenty-four (24) are Business Purpose loans. All loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A

<u>EXHIBIT A</u>

**Credit Review**

**Credit Qualification**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In
lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements
of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant
to Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter
at origination to determine compliance with the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements
for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination
to determine compliance with Client provided underwriting guidelines and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable
sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the
appraisal(s) meet the requirements of Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination
and meet Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the
Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review**

**Document Review**

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Title Commitment / Policy: Verify the presence of the title commitment or
final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Note / Security Instrument: Verify the presence of the mortgage
note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement
are present and duly executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed
of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present
and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title
company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review
and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent
document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document
was sent for recording.

&nbsp;&nbsp;&nbsp;&nbsp;· Conveyance Deed: Verify as applicable that a proper conveyance deed is present
in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Final Hud-1 Settlement Statement: If required, verify the presence of a
final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

&nbsp;&nbsp;&nbsp;&nbsp;· Final Truth-in-Lending Disclosure: If required, verify the presence of a
final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Right to Cancel: If required based on the specifics of the loan
transaction, confirm the presence and required execution of the Notice of Right to Cancel.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimate: If required verify the presence of the current Loan Estimate
(LE) at the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;· Closing Disclosure: If required verify the presence of the current Closing
Disclosure (CD) at the time of origination.

**c) Credit Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial
and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Underwriting Worksheet: Verify the presence of the relative underwriting
worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower.
Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing payment histories on
the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;· Letters of Explanation: When Letters of Explanation are required by the
Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Gift Letters: When Gift Letters are required by the Client provided underwriting
guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify the presence of income and employment related
documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio
calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required
by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan file contains adequate appraisal
and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance: Verify the presence of insurance certificates for mortgage,
hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to
meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance**

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The
 "material" <sup>1</sup> disclosure requirements
 of the federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership
 and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including the material provisions
 relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35,
 and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act ("MDIA"),
 as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by
 the TILA-RESPA Integrated Disclosure ("TRID") Rule, TRID will be reviewed in
 accordance with the SFA TRID Grid 4.0, as amended from time to time, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification of the
transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the
disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This review is also to be performed on transactions that are exempt from
the rescission requirement but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original
creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance
that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s),
with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties,
principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a
review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7)
business days prior to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 the required sections of each LE to ensure they were populated in accordance with the TRID
 Rules. (If the file reflects more than one LE was provided, each revised LE must have
 corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations
 will be based on the fee amounts disclosed on the initial LE and any valid changes documented
 and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3)
 business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they
 were populated in accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan
 consummation.)

2. Section 4 of the Real Estate Settlement Procedures Act
("RESPA"), 12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID
Rule; TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time.

3. The disclosure requirements and prohibitions of Section
50(a)(6), Article XVI of the Texas Constitution;

4. Confirmation that one of the following are in the loan
file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice
to Home Loan Applicant;

5. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform
and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability
to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages
(12 C.F.R. 1026.43(e) (including qualified mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and
203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages made by certain
creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review" description below;

6. The Loan Originator Compensation and Prohibitions on Steering
provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

7. The requirements for Higher-Price Mortgage Loans, as implemented
by Regulation Z, 12 C.F.R. 1026.35;

8. The appraisal and valuation requirements of TILA and the
Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented by
Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

<sup>1</sup> These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

10. The escrow requirements of TILA and RESPA, as implemented
by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11. The disclosure requirements and prohibitions of any applicable
state, county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called "predatory lending":

12. Consultant shall confirm that any mortgage property located
in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special
flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

13. For any loans designated as TILA exemption, Consultant
shall review the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not
limited to a business purpose certification.

14. Documentation. Review of the following documents for regulatory
compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"),
if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 will be considered
final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If HUD-1 is not marked Final, it must be stamped certified
by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There should be no markings indicating that the HUD-1 is
estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. HUD-1 is signed by all parties (including closing agent)
or stamped certified by the closing agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed
or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final Truth in Lending Disclosure ("TIL"),
if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based
on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan
file may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial
Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be considered
delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt.
The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered
the Final with any delivered post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if
applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party
fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating
that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the
document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable
limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any refunds that are provided to the borrower must be accompanied
by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant
reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43
et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan's
status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due
diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant
will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under §
1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for
lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies
and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the
requirements of the revised general QM definition effective March 1, 2021.

2. For loans for which applications were received prior to
July 1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency
as permitted under the QM final rule, Consultant reviews the loan to determine whether, based on available information in the loan file
the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the
file to confirm agency eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but
not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan
to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest
only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment
was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether
the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether the loan
is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable
average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective
March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans
only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review
the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party
documentation at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the
consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using the introductory
or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured by the
subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance
and certain other costs related to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General
Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment
or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and
only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's
conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**Additional Disclosures and Requirements:**

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;· Servicing Transfer Disclosure (for applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer Disclosure was provided to the borrower(s)
within three general business days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet (for applications prior to 10/03/2015)/ Home
Loan Tool Kit (for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three general business
days of application

&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Affiliated Business Disclosure in file in the
event the lender has affiliated business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure provided within three general
business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days,
as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third-party
services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided at closing
or within 45 days after settlement

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

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm the lender has provided the borrower a disclosure of the right to
receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the
Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided (delivered) copies of appraisals and
all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at
least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least
6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

&nbsp;&nbsp;&nbsp;&nbsp;· For a borrower that has waived the 3-business day disclosure requirement,
confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an
acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender
has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided the borrower the risk-based pricing
notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a)
If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than
the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure
was provided before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided a copy of the disclosure of credit
score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

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

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995
et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-
746 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760
et seq. (as originally enacted and as amended by Senate Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia Home Loan Protection Act, D.C. Official Code §
26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans
closed before July 1, 2014).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at
815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code
of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House
Bill 4050 (2005).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kansas Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages
(for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative
Documents 1869 (2007), 2125 (2008) and 1439 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;· Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after
September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1;
12-127; 12- 409.1; 12-1029.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as
amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts
Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800
(15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§
32.00 et.seq., as amended from time to time.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et
seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended
by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New
Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003),
codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Act, N.Y. Bank.
L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185
(2006), and as codified in various sections of the Ohio Code.

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

&nbsp;&nbsp;&nbsp;&nbsp;· City
of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified
in various sections of Title 14A of the Oklahoma Consumer Credit Code.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented
by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter
2006-33, Ordinance No. 245.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified
at Tenn. Code Ann. §§ 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after
July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after
October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· Washington House Bill 2770, Mortgage Lending Ownership

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

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. §
428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wyoming Credit Code

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business, commercial or agricultural
purposes

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is in a subordinate position to a senior lien secured by the same residential
improved real estate or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate is provided by
a policy that

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Signatures: Validate signature consistency across documents. To the extent
imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Document Integrity: Review for apparent alterations to loan documents. To
the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the loan file for consistency
of data.

&nbsp;&nbsp;&nbsp;&nbsp;· Third Party Fraud Tools: To the extent a third party fraud tool is contained
in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;· Value is based on as-is condition or provides satisfactory completion of
all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued
with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made
or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;· Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;· The individuals performing the above procedures are not person providing
valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as
appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or
Federal or State law.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not an Appraisal Management Company ("AMC") and therefore
does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not a creditor within the meaning of the Equal Credit Opportunity
Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility
to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;· Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition: Loan was originated in accordance with
the mortgage loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Credit Grade Definition: Loan was originated in substantial compliance
with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Credit Grade Definition: Loan was not originated in substantial
compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing
material documentation.

**Opus Property Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Property Grade Definition: Property value appears to be within 10%
of original appraised amount and there are no material deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Property Grade Definition: Property value appears to be within 10%
of original appraised amount, but minor issues in the appraisal process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Property Grade Definition: Property value does not appear to fall
within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing
material documentation.

**Opus Compliance Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Compliance Grade Definition: Loan complies with all applicable laws
and regulations reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Compliance Grade Definition: There are minor issues regarding legal
and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan
documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Compliance Grade Definition: Loan is not in compliance with laws
and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City, County, MSA
and Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification of the location of a property
(e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting
 Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity
 requirements meet Underwriting Guidelines, including OFAC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property management questionnaire:** Review the questionnaire to confirm management experience meets
 Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents
 are in the file). Verify the individual signing on behalf of the organization has the authority
 to bind the entity (if applicable documents are in the file).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per
 Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements
 are eligible per the
Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of
 DSCR

**Title Insurance Requirements are met per Guidelines only as follows** 

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage
 amount in adherence to the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies,
 delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan
 Application: Verify the presence and completeness of both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit
 Report: Verify the presence of a credit report for each borrower. Confirm that the credit
 report was pulled within the timing requirements allowable per the Client provided underwriting
 guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Housing
 Payment History: In the absence of housing payment histories on the borrower(s) credit report(s),
 verify that that the file contains a verification of rent or a verification of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Letters
 of Explanation: When Letters of Explanation are required by the Client provided underwriting
 guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Gift
 Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify
 the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Asset
 Documentation: Verify the presence of asset documentation required by the Client provided
 underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property
 Valuation Tools: Verify that each loan file contains adequate appraisal and other third party
 valuation tools to satisfy the minimum required documentation under the relative Client provided
 underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Proof
 of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood
 insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate
 coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No
 compliance testing for the DSCR review.

**<u>Pool Details</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Purpose** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of<br> Pool |
| &nbsp;&nbsp;Cash out Refi | &nbsp;&nbsp;85 | &nbsp;&nbsp;34.00% |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;132 | &nbsp;&nbsp;52.80% |
| &nbsp;&nbsp;Rate / Term Refi | &nbsp;&nbsp;33 | &nbsp;&nbsp;13.20% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**250** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;116 | &nbsp;&nbsp;46.40% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;30 | &nbsp;&nbsp;12.00% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.00% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;44 | &nbsp;&nbsp;17.60% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;17 | &nbsp;&nbsp;6.80% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;28 | &nbsp;&nbsp;11.20% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.40% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**250** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;124 | &nbsp;&nbsp;49.60% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.60% |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;117 | &nbsp;&nbsp;46.80% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**250** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;248 | &nbsp;&nbsp;99.20% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.80% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**250** | &nbsp;&nbsp;**100.00%** |

---

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.60% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;10 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;60 | &nbsp;&nbsp;76.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;43 | &nbsp;&nbsp;82.80% |
| &nbsp;&nbsp;**Total Loans** | &nbsp;&nbsp;**250** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were five (5) obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated June 17, 2026.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**Fitch and Kroll NRSRO Grade** | <br>&nbsp;&nbsp;**# of<br> Loans** | <br>&nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;224 | &nbsp;&nbsp;89.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;26 | &nbsp;&nbsp;10.40% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**Fitch and Kroll NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;236 | &nbsp;&nbsp;94.40% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;5.60% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**Fitch and Kroll NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;238 | &nbsp;&nbsp;95.20% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;4.80% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Property Grade Summary** |  |  |
| &nbsp;&nbsp;**Fitch and Kroll NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;248 | &nbsp;&nbsp;99.20% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.80% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**Loans Reviewed (250)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;216380071 | &nbsp;&nbsp;216726919 | &nbsp;&nbsp;9718503841 | &nbsp;&nbsp;9745762634 | &nbsp;&nbsp;9731542180 | &nbsp;&nbsp;9799252060 | &nbsp;&nbsp;9730938777 |
| &nbsp;&nbsp;9798613197 | &nbsp;&nbsp;216619577 | &nbsp;&nbsp;9720667923 | &nbsp;&nbsp;9751492449 | &nbsp;&nbsp;9731883998 | &nbsp;&nbsp;216706739 | &nbsp;&nbsp;9733714225 |
| &nbsp;&nbsp;9742945471 | &nbsp;&nbsp;9729480203 | &nbsp;&nbsp;9720746834 | &nbsp;&nbsp;9751679045 | &nbsp;&nbsp;9734220230 | &nbsp;&nbsp;216876524 | &nbsp;&nbsp;9735704893 |
| &nbsp;&nbsp;9741849328 | &nbsp;&nbsp;216640391 | &nbsp;&nbsp;9722795128 | &nbsp;&nbsp;9755101483 | &nbsp;&nbsp;9734725873 | &nbsp;&nbsp;216949313 | &nbsp;&nbsp;9735757156 |
| &nbsp;&nbsp;9756551447 | &nbsp;&nbsp;9723910056 | &nbsp;&nbsp;9725860861 | &nbsp;&nbsp;9758867767 | &nbsp;&nbsp;9743136922 | &nbsp;&nbsp;217014265 | &nbsp;&nbsp;9737379850 |
| &nbsp;&nbsp;9761738377 | &nbsp;&nbsp;9729938580 | &nbsp;&nbsp;9737757568 | &nbsp;&nbsp;9760647165 | &nbsp;&nbsp;9743220734 | &nbsp;&nbsp;9797579084 | &nbsp;&nbsp;9743657265 |
| &nbsp;&nbsp;9762221126 | &nbsp;&nbsp;9786661208 | &nbsp;&nbsp;9742392807 | &nbsp;&nbsp;9762701507 | &nbsp;&nbsp;9747488709 | &nbsp;&nbsp;9726177810 | &nbsp;&nbsp;9744628182 |
| &nbsp;&nbsp;9772510062 | &nbsp;&nbsp;216713867 | &nbsp;&nbsp;9747349190 | &nbsp;&nbsp;9763790665 | &nbsp;&nbsp;9747866060 | &nbsp;&nbsp;9737615493 | &nbsp;&nbsp;9750499171 |
| &nbsp;&nbsp;9777511644 | &nbsp;&nbsp;9728332678 | &nbsp;&nbsp;9756511326 | &nbsp;&nbsp;9769082943 | &nbsp;&nbsp;9752039504 | &nbsp;&nbsp;9728493728 | &nbsp;&nbsp;9755976587 |
| &nbsp;&nbsp;9785345910 | &nbsp;&nbsp;9739787183 | &nbsp;&nbsp;9757649661 | &nbsp;&nbsp;9782178744 | &nbsp;&nbsp;9752932070 | &nbsp;&nbsp;9777799892 | &nbsp;&nbsp;9769633422 |
| &nbsp;&nbsp;9797861219 | &nbsp;&nbsp;216668236 | &nbsp;&nbsp;9762185883 | &nbsp;&nbsp;9785720849 | &nbsp;&nbsp;9753425108 | &nbsp;&nbsp;216876417 | &nbsp;&nbsp;9772491297 |
| &nbsp;&nbsp;9798412269 | &nbsp;&nbsp;216742551 | &nbsp;&nbsp;9765060521 | &nbsp;&nbsp;9787739193 | &nbsp;&nbsp;9753907741 | &nbsp;&nbsp;9708406781 | &nbsp;&nbsp;9773860409 |
| &nbsp;&nbsp;9769333429 | &nbsp;&nbsp;216835793 | &nbsp;&nbsp;9766556345 | &nbsp;&nbsp;9788019124 | &nbsp;&nbsp;9753970830 | &nbsp;&nbsp;9744433153 | &nbsp;&nbsp;9774718648 |
| &nbsp;&nbsp;9765746657 | &nbsp;&nbsp;216660001 | &nbsp;&nbsp;9771742369 | &nbsp;&nbsp;9793897365 | &nbsp;&nbsp;9754143999 | &nbsp;&nbsp;9778472861 | &nbsp;&nbsp;9775639314 |
| &nbsp;&nbsp;9767190474 | &nbsp;&nbsp;9706594505 | &nbsp;&nbsp;9777579468 | &nbsp;&nbsp;9774748488 | &nbsp;&nbsp;9754845528 | &nbsp;&nbsp;9738691014 | &nbsp;&nbsp;9776847452 |
| &nbsp;&nbsp;9782898432 | &nbsp;&nbsp;9711984154 | &nbsp;&nbsp;9778363854 | &nbsp;&nbsp;9771355972 | &nbsp;&nbsp;9755981405 | &nbsp;&nbsp;9781694329 | &nbsp;&nbsp;9779569269 |
| &nbsp;&nbsp;9783285191 | &nbsp;&nbsp;9716710679 | &nbsp;&nbsp;9780580149 | &nbsp;&nbsp;9723819083 | &nbsp;&nbsp;9757297305 | &nbsp;&nbsp;9711615642 | &nbsp;&nbsp;9781417945 |
| &nbsp;&nbsp;216677799 | &nbsp;&nbsp;9727295595 | &nbsp;&nbsp;9788277722 | &nbsp;&nbsp;216699405 | &nbsp;&nbsp;9763167104 | &nbsp;&nbsp;9714482289 | &nbsp;&nbsp;9783104731 |
| &nbsp;&nbsp;9708810560 | &nbsp;&nbsp;9793035305 | &nbsp;&nbsp;9789069656 | &nbsp;&nbsp;216719922 | &nbsp;&nbsp;9763775724 | &nbsp;&nbsp;9783586218 | &nbsp;&nbsp;9788920107 |
| &nbsp;&nbsp;9710380388 | &nbsp;&nbsp;216596858 | &nbsp;&nbsp;9793897027 | &nbsp;&nbsp;216934679 | &nbsp;&nbsp;9767305478 | &nbsp;&nbsp;9736215006 | &nbsp;&nbsp;9793490963 |
| &nbsp;&nbsp;9724731758 | &nbsp;&nbsp;216719153 | &nbsp;&nbsp;9796711233 | &nbsp;&nbsp;216961219 | &nbsp;&nbsp;9771691343 | &nbsp;&nbsp;9726341424 | &nbsp;&nbsp;9794212770 |
| &nbsp;&nbsp;9724853107 | &nbsp;&nbsp;216738351 | &nbsp;&nbsp;9798718715 | &nbsp;&nbsp;216734574 | &nbsp;&nbsp;9772777653 | &nbsp;&nbsp;9783905228 | &nbsp;&nbsp;9796409747 |
| &nbsp;&nbsp;9728875759 | &nbsp;&nbsp;9782544572 | &nbsp;&nbsp;9784453749 | &nbsp;&nbsp;216816389 | &nbsp;&nbsp;9773382610 | &nbsp;&nbsp;9779084756 | &nbsp;&nbsp;9798357688 |
| &nbsp;&nbsp;9735368285 | &nbsp;&nbsp;9716025227 | &nbsp;&nbsp;216648717 | &nbsp;&nbsp;216790659 | &nbsp;&nbsp;9775995302 | &nbsp;&nbsp;9730711695 | &nbsp;&nbsp;216918250 |
| &nbsp;&nbsp;9736674301 | &nbsp;&nbsp;9785904971 | &nbsp;&nbsp;216741041 | &nbsp;&nbsp;217021195 | &nbsp;&nbsp;9777134678 | &nbsp;&nbsp;216794172 | &nbsp;&nbsp;216845636 |
| &nbsp;&nbsp;9737007444 | &nbsp;&nbsp;216736595 | &nbsp;&nbsp;9755595098 | &nbsp;&nbsp;216878173 | &nbsp;&nbsp;9781324596 | &nbsp;&nbsp;9796967876 | &nbsp;&nbsp;9740856795 |
| &nbsp;&nbsp;9742506497 | &nbsp;&nbsp;9765490967 | &nbsp;&nbsp;9771547073 | &nbsp;&nbsp;216785972 | &nbsp;&nbsp;9785125759 | &nbsp;&nbsp;216906131 | &nbsp;&nbsp;216966887 |
| &nbsp;&nbsp;9743452600 | &nbsp;&nbsp;216617522 | &nbsp;&nbsp;9795861633 | &nbsp;&nbsp;9706207280 | &nbsp;&nbsp;9789696375 | &nbsp;&nbsp;216996256 | &nbsp;&nbsp;9707032158 |
| &nbsp;&nbsp;9743637846 | &nbsp;&nbsp;216795625 | &nbsp;&nbsp;9789924314 | &nbsp;&nbsp;9711019472 | &nbsp;&nbsp;9790785274 | &nbsp;&nbsp;217026285 | &nbsp;&nbsp;9707145471 |
| &nbsp;&nbsp;9756560398 | &nbsp;&nbsp;216802603 | &nbsp;&nbsp;9769929192 | &nbsp;&nbsp;9712105767 | &nbsp;&nbsp;9791040232 | &nbsp;&nbsp;216878629 | &nbsp;&nbsp;9707656709 |
| &nbsp;&nbsp;9764530201 | &nbsp;&nbsp;9792946692 | &nbsp;&nbsp;9782540703 | &nbsp;&nbsp;9714155422 | &nbsp;&nbsp;9792820822 | &nbsp;&nbsp;9708586400 | &nbsp;&nbsp;9722077550 |
| &nbsp;&nbsp;9767151633 | &nbsp;&nbsp;216793869 | &nbsp;&nbsp;216810382 | &nbsp;&nbsp;9714853349 | &nbsp;&nbsp;9793429094 | &nbsp;&nbsp;9715118767 | &nbsp;&nbsp;9748799203 |
| &nbsp;&nbsp;9775445985 | &nbsp;&nbsp;216731927 | &nbsp;&nbsp;216904904 | &nbsp;&nbsp;9724167458 | &nbsp;&nbsp;9794891797 | &nbsp;&nbsp;9716436440 | &nbsp;&nbsp;9720467324 |
| &nbsp;&nbsp;9779460469 | &nbsp;&nbsp;216492389 | &nbsp;&nbsp;9725885108 | &nbsp;&nbsp;9724546818 | &nbsp;&nbsp;9796137199 | &nbsp;&nbsp;9720382390 | &nbsp;&nbsp;9760643511 |
| &nbsp;&nbsp;9791485189 | &nbsp;&nbsp;9706769990 | &nbsp;&nbsp;9726669568 | &nbsp;&nbsp;9726085328 | &nbsp;&nbsp;9797379139 | &nbsp;&nbsp;9724539524 |  |
| &nbsp;&nbsp;9796622323 | &nbsp;&nbsp;9713067065 | &nbsp;&nbsp;9745417866 | &nbsp;&nbsp;9726768154 | &nbsp;&nbsp;9799150132 | &nbsp;&nbsp;9724983342 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 30 | XX | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.38 | 70.38 | XX | XX | .0162 | 1004 URAR |  |  |  |  | XX | XX | .0162 | 12-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 32 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 73.62 | 73.62 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 39 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 72.71 | 72.71 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 44 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 77.94 | 77.94 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 10-XX-2025 |
| 45 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 72.04 | 72.04 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 51 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 45.54 | 45.54 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 53 | XX | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 69.86 | 69.86 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 02-XX-2026 |
| 54 | XX | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 77.51 | 77.51 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 02-XX-2026 |
| 55 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 15.24 | 15.24 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 57 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 65.95 | 65.95 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 59 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-XX-2026 | Eligible | 1 | 03-XX-2026 |
| 62 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 66.67 | 66.67 |  |  |  | Desk Review |  |  |  |  | XX | 0.0 | .0000 | 04-XX-2026 | 1004 URAR |  |  |  |  |  |  |  |  | 0 | XX | -1.0000 | XX | Indeterminate | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 03-XX-2026 |
| 63 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 66 | XX | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 68 | XX | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 69 | XX | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 03-XX-2026 |
| 70 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 71 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 73 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 75 | XX | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.0429 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0429 | XX | MODERATE RISK | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-XX-2026 |
| 76 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 64.88 | 64.88 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 03-XX-2026 |
| 84 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 89 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 51.02 | 51.02 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-XX-2026 |
| 93 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 94 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | XX | .0128 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | .0128 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 95 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 03-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 102 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 105 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 107 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-XX-2026 |
| 113 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 126 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 72.79 | 72.79 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 03-XX-2026 |
| 127 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 63.43 | 63.43 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 129 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-XX-2026 |
| 130 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 68.75 | 68.75 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 135 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 136 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 138 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 140 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 143 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 145 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 149 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 04-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 68.44 | 68.44 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 156 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 160 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 67.48 | 67.48 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-XX-2026 |
| 162 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 163 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 72.5 | 72.5 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 205 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 44.72 | 44.72 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 206 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 63.55 | 63.55 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-XX-2026 |
| 207 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | .0455 | 1025 Small Residential Income Report |  |  |  |  | XX | XX | .0455 | 04-XX-2026 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 208 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0348 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0348 | XX | LOW RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 04-XX-2026 |
| 211 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 214 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 | 04-XX-2026 |
| 219 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 04-XX-2026 |
| 220 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 221 | XX | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | .0040 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | .0040 | XX |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 226 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 54.78 | 54.78 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 03-XX-2026 |
| 228 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 39.42 | 39.42 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2026 |
| 230 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 74.36 | 74.36 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-XX-2026 |
| 231 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 61.87 | 61.87 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 233 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 69.13 | 69.13 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 241 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-XX-2026 |
| 245 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 74.48 | 74.48 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 04-XX-2026 |
| 248 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 74.36 | 74.36 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 249 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 70.59 | 70.59 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 250 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 257 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 68.8 | 68.8 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 03-XX-2026 |
| 259 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 263 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 266 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 67.46 | 67.46 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-XX-2026 |
| 276 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 51.85 | 51.85 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 278 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 279 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 04-XX-2026 |
| 279 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 04-XX-2026 |
| 283 | XX | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-XX-2026 |
| 288 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 37.43 | 37.43 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 290 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 291 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 74.97 | 74.97 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-XX-2026 |
| 292 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | low risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 294 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 04-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-XX-2026 |
| 295 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 296 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 297 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 69.96 | 69.96 | XX | 0.0 | .0000 | 1004 URAR |  |  |  |  | XX | 0.0 | .0000 | 02-XX-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 02-XX-2026 |
| 298 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 05-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 303 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 04-XX-2026 |
| 304 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 03-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 64.13 | 64.13 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 305 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 307 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 308 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 311 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 312 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 54.34 | 54.34 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 316 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 319 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 320 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-XX-2026 |
| 324 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 69.33 | 69.33 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 02-XX-2026 |
| 327 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 79.26 | 79.26 | XX | XX | -.0541 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0541 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 02-XX-2026 |
| 330 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 74.87 | 74.87 | XX | XX | .1111 | 1004 URAR |  |  |  |  | XX | XX | .1111 | 03-XX-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 334 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 336 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 05-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 338 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-XX-2026 |
| 341 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 346 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 349 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 04-XX-2026 |
| 352 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 73.91 | 73.91 | XX | XX | -.0783 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0783 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.0 | 03-XX-2026 | Not Eligible | 999 |  |
| 355 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 71.89 | 71.89 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-XX-2026 |
| 358 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 66.14 | 66.14 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 359 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 361 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 03-XX-2026 |
| 363 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 54.59 | 54.59 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 03-XX-2026 |
| 365 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 03-XX-2026 |
| 368 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 370 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 78.8 | 78.8 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-XX-2026 |
| 372 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 03-XX-2026 |
| 376 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 04-XX-2026 |
| 380 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 65.05 | 65.05 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 386 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 389 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 392 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-XX-2026 |
| 393 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 03-XX-2026 |
| 395 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 72.45 | 72.45 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 397 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | XX | -.0871 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0871 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 04-XX-2026 |
| 398 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 399 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-XX-2026 |
| 401 | XX | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 45.34 | 45.34 | XX | XX | .0699 | 1073 Individual Condo Report |  |  |  |  | XX | XX | .0699 | 01-XX-2026 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 01-XX-2026 |
| 402 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 04-XX-2026 |
| 409 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 414 | XX | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 416 | XX | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 420 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 72.97 | 72.97 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 424 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 04-XX-2026 |
| 428 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-XX-2026 |
| 432 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 440 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 05-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2026 |
| 445 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 448 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 39.03 | 39.03 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 451 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 44.12 | 44.12 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 453 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 40.96 | 40.96 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-XX-2026 |
| 456 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 457 | XX | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 62.72 | 62.72 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 459 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 57.45 | 57.45 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 460 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 462 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 464 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0316 | 1025 Small Residential Income Report |  |  |  |  | XX | XX | -.0316 | 02-XX-2026 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 466 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 467 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 468 | XX | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 470 | XX | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 471 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 74.06 | 74.06 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 472 | XX | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 476 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 61.92 | 61.92 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-XX-2026 |
| 479 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 73.16 | 73.16 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 483 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 490 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0355 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0355 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 491 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 495 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 64.12 | 64.12 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-XX-2026 |
| 496 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | low risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-XX-2026 |
| 497 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 500 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 39.03 | 39.03 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 501 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-XX-2026 |
| 502 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 04-XX-2026 |
| 503 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 39.03 | 39.03 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 505 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 46.73 | 46.73 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 508 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 510 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 511 | XX | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 514 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 04-XX-2026 |
| 516 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 64.05 | 64.05 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 02-XX-2026 |
| 517 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 518 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 78.2 | 78.2 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-XX-2026 | Eligible | 4.3 | 04-XX-2026 |
| 520 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 04-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 68.12 | 68.12 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 523 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 63.29 | 63.29 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 02-XX-2026 |
| 524 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 84.0 | 84.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 525 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 528 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 529 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 48.03 | 48.03 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | XX | 0.0 | .0000 | 04-XX-2026 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 530 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 04-XX-2026 |
| 531 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 534 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 535 | XX | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 47.62 | 47.62 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 02-XX-2026 |
| 536 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 | Eligible | 1 | 04-XX-2026 |
| 539 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 58.82 | 58.82 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 543 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 545 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 03-XX-2026 |
| 546 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 549 | XX | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 43.73 | 43.73 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-XX-2026 |
| 550 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.0493 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0493 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 04-XX-2026 |
| 554 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 557 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-XX-2026 |
| 559 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 53.02 | 53.02 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 04-XX-2026 |
| 561 | XX | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 01-XX-2026 |
| 563 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 564 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 43.06 | 43.06 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 04-XX-2026 |
| 566 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 69.9 | 69.9 | XX | XX | .2308 | 1004 URAR |  |  |  |  | XX | XX | .2308 | 02-XX-2026 | 1004 URAR |  |  |  |  |  |  |  |  | XX | XX | -.1026 | XX | HIGH RISK | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-XX-2026 |
| 569 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 572 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 03-XX-2026 |
| 573 | XX | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |
| 574 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 02-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 576 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-XX-2026 |
| 579 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 580 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 582 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 584 | XX | XX |  |  | XX | XX | XX | XX | XX | 03-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 91.43 | 91.43 | XX | XX | .1429 | 1025 Small Residential Income Report |  |  |  |  | XX | XX | .1429 | 04-XX-2026 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XX | XX | .1714 | XX |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 585 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-XX-2026 |
| 586 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 587 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 589 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 591 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 594 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 73.72 | 73.72 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-XX-2026 |
| 596 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 67.5 | 67.5 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XX | XX | -.0843 | 91.0 | 0.09 | XX | Other | 03-XX-2026 | XX | 0.0 | .0000 | XX | LOW RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| 599 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 54.13 | 54.13 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-XX-2026 |
| 600 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 66.03 | 66.03 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 604 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 02-XX-2026 |
| 606 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 67.48 | 67.48 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 607 | XX | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 50.62 | 50.62 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-XX-2026 |
| 610 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 03-XX-2026 |
| 614 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 615 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 616 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-XX-2026 |
| 618 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 619 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | .2122 | 1004 URAR |  |  |  |  | XX | XX | .2122 | 03-XX-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.2333 | 04-XX-2026 |  |  |  |  |  |  |  |  |  | 2.6 | 04-XX-2026 |
| 620 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 05-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-XX-2026 |
| 623 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-XX-2026 |
| 627 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | .0317 | Desk Review |  |  |  |  | XX | XX | .0730 | 03-XX-2026 | 1004 URAR |  |  |  |  |  |  |  |  | XX | XX | .0317 | XX |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-XX-2026 |
| 628 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 43.75 | 43.75 | XX | XX | -.0188 | 1004 URAR |  |  |  |  | XX | XX | -.0188 | 04-XX-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-XX-2026 |
| 629 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | XX | 0.0 | .0000 | 03-XX-2026 | 1004 URAR |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-XX-2026 |
| 633 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 634 | XX | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 02-XX-2026 |
| 635 | XX | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 636 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 58.82 | 58.82 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 05-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-XX-2026 |
| 636 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 04-XX-2026 |
| 639 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 04-XX-2026 |
| 640 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 641 | XX | XX |  |  | XX | XX | 0 | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | XX | -.0140 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0140 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 644 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 646 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-XX-2026 |
| 650 | XX | XX |  |  | XX | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-XX-2026 |
| 651 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 652 | XX | XX |  |  | XX | XX |  | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 54.48 | 54.48 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-XX-2026 |
| 653 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 78.24 | 78.24 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 04-XX-2026 |
| 655 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 658 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |
| 659 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 56.82 | 56.82 | XX | XX | -.0227 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0227 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 04-XX-2026 |
| 661 | XX | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 02-XX-2026 |
| 662 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 663 | XX | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 48.47 | 48.47 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 664 | XX | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 78.49 | 78.49 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | MODERATE RISK | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 665 | XX | XX |  |  | XX | XX | XX | 0 | XX | 03-XX-2026 | 1004 URAR | XX | XX | XX | XX | 79.38 | 79.38 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 03-XX-2026 |
| 667 | XX | XX |  |  | XX | XX | XX | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 20.08 | 20.08 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX |  | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-XX-2026 | Eligible |  | 04-XX-2026 |
| 670 | XX | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2026 | 1004 URAR | XX | XX | XX | XX | 47.98 | 47.98 | XX | XX | -.0694 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0694 | XX | Low Risk | 04-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2026 |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

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|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
| 30 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 32 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 39 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 44 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 45 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 51 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 53 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 54 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 55 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 57 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 59 | XX |  |  | XX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 62 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 63 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 65 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 66 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 68 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 69 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 70 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 71 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 73 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 75 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 76 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 84 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 89 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 93 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 94 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 95 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 100 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 102 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 105 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 107 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 113 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 126 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 127 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 129 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 130 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 135 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 136 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 140 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 143 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 145 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 149 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 156 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 160 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 162 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 163 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 205 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 206 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 207 | XX |  |  | XX | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 208 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 211 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 214 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 219 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 220 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 221 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 226 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 228 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 230 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 231 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 233 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 241 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 245 | XX |  |  | XX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 248 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 249 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 257 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 259 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 263 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 266 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 276 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 278 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 279 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 279 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 283 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 288 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 290 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 291 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 292 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 294 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 295 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 296 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 297 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 298 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 303 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | B | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | B | A | B | B | B | B | B |
| 304 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 305 | XX |  |  | XX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 307 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 308 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 311 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 312 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 316 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 319 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 320 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 324 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 327 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 330 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 334 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 336 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 338 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 341 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 346 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 349 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 352 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 355 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 358 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 359 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 361 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 363 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 365 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 368 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 370 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 372 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 376 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 380 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 386 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 389 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 392 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 393 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 395 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 397 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B |
| 398 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 399 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 401 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 402 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 408 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409 | XX |  |  | XX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 414 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 416 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 420 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 424 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B |
| 428 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 432 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 440 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 445 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 448 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 451 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 453 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 456 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 457 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 459 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 460 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 462 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 464 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 466 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 467 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 468 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 470 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 471 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 472 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 476 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 479 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 483 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 490 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 491 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 495 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 496 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 497 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 500 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 501 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 502 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 503 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 505 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 508 | XX |  |  | XX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 510 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 511 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 514 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 516 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 517 | XX |  |  | XX | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 518 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 520 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 523 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 524 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 525 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 528 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 529 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 530 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| 531 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 534 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 535 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 536 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 539 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 543 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 545 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 546 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 549 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 550 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 554 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 557 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 559 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 561 | XX |  |  | XX | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 563 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 564 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 566 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 569 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 572 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B |
| 573 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 574 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 576 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 579 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 580 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 582 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 584 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 585 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 586 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 587 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 589 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 591 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 594 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 596 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 599 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 600 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 604 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 606 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 607 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 610 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 614 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 615 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 616 | XX |  |  | XX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 618 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 619 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | B | A | D | D | D | D | D | B | B | B | B | B | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B |
| 620 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 623 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 627 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 628 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 629 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 633 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 634 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 635 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 636 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 636 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 639 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 640 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 641 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 644 | XX |  |  | XX | 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 |
| 646 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 650 | XX |  |  | XX | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| 651 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 652 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 653 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 655 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 658 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 659 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 661 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 662 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 663 | XX |  |  | XX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 664 | XX |  |  | XX | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 665 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 667 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 670 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

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| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| 44 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2500 | 2300 | Appraisal - 1007 |  |  |  |  | 2300 | Appraisal - 1007 | No | 98.38 | 1.1 | 1.016 | 2262.7 | 2500 | 07-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41300 |  |  |  | 2300 |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 8.76 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 62 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 7766.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 96500 |  |  |  |  |  |  |  |  |  |  |  | No | 2.5 | 2 | 1 | N/A | 15.08 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 63 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3000 | 2800 | Appraisal - 1007 |  |  |  |  | 2800 | Appraisal - 1007 | No | 79.74 | 1.25 | 1.254 | 2392.06 | 3000 | 03-19-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 |  |  |  | 2800 |  |  |  |  |  |  | No | No | 0.2 | 5 | 1 | N/A | 108.32 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 66 | XX |  |  | XX | XX | 1YR Full Doc | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 1557.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 47700 |  |  |  |  |  |  |  |  |  |  |  | No | 11.5 | 1 | 1 | N/A | 57.23 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 71 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1650 | Appraisal - 1007 |  |  |  |  | 1650 | Appraisal - 1007 | No | 99.5 | 1 | 1.005 | 1641.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19707.72 |  |  |  | 1650 |  |  |  |  |  |  |  | No | 0.4 | 5 | 1 | N/A | 146.14 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XX | Vacant |
| 75 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2265.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31100 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 338.99 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 76 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6719.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 105000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 14.39 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 95 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1800 | 1660 | Appraisal - 1007 |  |  |  |  | 1660 | Appraisal - 1007 | No | 87.42 | 1.24 | 1.144 | 1451.18 | 1800 | 07-18-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16982.16 |  |  |  | 1660 |  |  |  |  |  |  | No | No | 3.6 | 1 | 1 | N/A | 56.72 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 100 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1850 | 1850 | Appraisal - 1007 |  |  |  |  | 1850 | Appraisal - 1007 | No | 97.92 | 1.02 | 1.021 | 1811.55 | 1850 | 02-28-2027 | 499 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32325.48 |  |  |  | 1850 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 36.91 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 102 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1800 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Appraisal - 1007 | No | 83.08 | 1.2 | 1.204 | 1495.49 | 1800 | 03-27-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 8972.94 |  |  |  | 1800 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 23.91 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 105 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 5518.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 48.58 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 113 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 | 2300 |  |  |  | 2300 | Appraisal - 1007 | Yes | 152.16 | 0.65 | 0.629 | 3658.53 |  | 04-01-2027 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42000 |  |  |  | 2300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 288.6 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 129 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2460.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12500 |  |  |  |  |  |  |  |  |  |  |  | No | 1.9 | 1 | 1 | N/A | 92.34 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 130 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  |  |  |  | 1750 | Appraisal - 1007 | No | 92.43 | 1.07 | 1.082 | 1617.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22200 |  |  |  | 1750 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 35.8 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Owner |
| 135 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2225 | Appraisal - 1025 |  |  |  |  | 2225 | Appraisal - 1025 | No | 78.13 | 1.22 | 1.28 | 1738.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42760 |  |  |  | 2225 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.98 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 136 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2500 | 2400 | Appraisal - 1007 |  |  |  |  | 2400 | Appraisal - 1007 | No | 94.43 | 1.1 | 1.059 | 2266.26 | 2500 | 04-21-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26395.08 |  |  |  | 2400 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 72.85 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 138 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2150 | 2525 | Appraisal - 1007 |  |  |  |  | 2150 | Actual In Place Rent | No | 125.05 | 0.8 | 0.8 | 2688.58 | 650 | 04-30-2026 | 1 | 1500 | 04-30-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15150 |  |  |  | 2150 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 23.84 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 143 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4787.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 68800 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 6.19 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 149 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1750 | 1675 | Appraisal - 1007 |  |  |  |  | 1675 | Appraisal - 1007 | No | 91.33 | 1.09 | 0.893 | 1876.4 | 1750 | 05-31-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10342.74 |  |  |  | 1675 |  |  |  |  |  |  | No | No | 5.6 | 1 | 1 | N/A | 91.31 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 156 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4100 | 5400 | Appraisal - 1025 |  |  |  |  | 4100 | Actual In Place Rent | No | 76.64 | 1.305 | 1.305 | 3142.4 | 900 | 04-28-2026 | 1 | 1300 | 07-31-2026 | 12 | 1000 | 04-30-2026 | 12 | 900 | 07-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 37708.8 |  |  |  | 4100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 37.1 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 162 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2507.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 51530 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.26 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 163 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 4600 | AirDNA | 12 | 36.30% | 4600 | AirDNA | Yes | 99.57 | 1 | 1.004 | 4580.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 200000 |  |  |  | 4600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 94.76 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 207 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6291.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 6400 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 7.34 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 208 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4932 |  | Short Term Rental | 6041.66 | AirDNA | 12 | 58.50% | 6041.66 | AirDNA | Yes | 79.17 | 1.263 | 1.263 | 4783.39 | 4932 | 06-22-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 44400 |  |  |  | 6041.66 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 54 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 211 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1025 |  |  |  |  | 2400 | Appraisal - 1025 | No | 63.99 | 1.56 | 1.563 | 1535.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18428.52 |  |  |  | 2400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.29 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 219 | XX |  |  | XX | XX | 24 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 7128.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 79.91 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 220 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Short Term Rental | 2908.33 | AirDNA | 12 | 47.10% | 2908.33 | AirDNA | Yes | 64.67 | 1.54 | 1.546 | 1880.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  | 2908.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 53.38 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 250 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 3941.66 | AirDNA | 12 | 54.10% | 3941.66 | AirDNA | Yes | 99.61 | 1 | 1.004 | 3926.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21037.86 |  |  |  | 3941.66 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 19.92 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 259 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2275 | Appraisal - 1025 |  |  |  |  | 2275 | Appraisal - 1025 | No | 75.07 | 1.33 | 1.332 | 1707.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 68500 |  |  |  | 2275 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 23.98 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 276 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3400 | Appraisal - 1025 |  |  |  |  | 3400 | Appraisal - 1025 | No | 55.67 | 1.76 | 1.796 | 1892.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11357.28 |  |  |  | 3400 |  |  |  |  |  |  |  | No | 20.8 | 1 | 1 | N/A | 39.01 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 278 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 10883.33 | AirDNA | 12 | 57.80% | 10883.33 | AirDNA | Yes | 56.7 | 1.76 | 1.405 | 7748.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 10883.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 18.46 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 290 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 6225 | AirDNA | 12 | 51.30% | 6225 | AirDNA | Yes | 89.22 | 1.12 | 1.121 | 5553.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 156000 |  |  |  | 6225 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 115.66 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 294 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2000 | 1900 | Appraisal - 1007 |  |  |  |  | 1900 | Appraisal - 1007 | No | 89.57 | 1.17 | 1.116 | 1701.75 | 2000 | 04-17-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 300000 |  |  |  | 1900 |  |  |  |  |  |  |  | No | 3.2 | 1 | 1 | N/A | 76.97 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 298 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2300 | 2300 | Appraisal - 1007 |  |  |  |  | 2300 | Appraisal - 1007 | No | 71.78 | 1.39 | 1.393 | 1651.01 | 2300 | 05-10-2028 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 9906.06 |  |  |  | 2300 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 40.6 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 304 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2041 | 2900 | Appraisal - 1007 |  |  |  |  | 2041 | Actual In Place Rent | No | 197.27 | 0.5 | 0.507 | 4026.37 | 2041 | 04-18-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26800 |  |  |  | 2041 |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 30.34 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 311 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3390 | Appraisal - 1025 |  |  |  |  | 3390 | Appraisal - 1025 | No | 71.5 | 1.399 | 1.399 | 2423.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40680 |  |  |  | 3390 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 26.12 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 319 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1600 | 1675 | Appraisal - 1007 |  |  |  |  | 1600 | Actual In Place Rent | No | 77.57 | 1.28 | 1.289 | 1241.16 | 1600 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37900 |  |  |  | 1600 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 38.13 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 336 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3040 | 3140 | Appraisal - 1025 |  |  |  |  | 3040 | Actual In Place Rent | No | 84.72 | 1.18 | 1.18 | 2575.42 | 1495 | 02-28-2027 | 12 | 1545 | 12-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 3040 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 28.31 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 346 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 77.16 | 1.29 | 1.296 | 1311.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 79.18 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 355 | XX |  |  | XX | XX | 24 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6320.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 47500 |  |  |  |  |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 6.64 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 358 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4500 | 4500 | Appraisal - 1007 |  |  |  |  | 4500 | Appraisal - 1007 | No | 166 | 0.62 | 0.602 | 7470.2 | 4500 | 09-14-2026 | 6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 55600 |  |  |  | 4500 |  |  |  |  |  |  | No | No | 0.5 | 5 | 1 | N/A | 9.9 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 359 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 4466 | AirDNA | 12 | 53.30% | 4466 | AirDNA | Yes | 54.99 | 1.81 | 1.819 | 2455.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 53592 |  |  |  | 4466 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.04 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 368 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4595 | 4400 | Appraisal - 1025 |  |  |  |  | 4400 | Appraisal - 1025 | No | 72.79 | 1.37 | 1.374 | 3344.54 | 2700 | 05-05-2026 | 1 | 1895 | 05-05-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40134.48 |  |  |  | 4400 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 26.23 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 372 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6764.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10950 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 58.85 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 380 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1400 | 1400 | Appraisal - 1007 |  |  |  |  | 1400 | Appraisal - 1007 | No | 73.23 | 1.36 | 1.365 | 1025.27 | 1400 | 03-23-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12303.24 |  | 0 |  | 1400 |  |  |  |  |  |  | No | No | 2.4 | 1 | 1 | N/A | 28.72 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 386 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2050 | 1975 | Appraisal - 1007 |  |  |  |  | 1975 | Appraisal - 1007 | No | 77.47 | 1.3 | 1.291 | 1588.18 | 2050 | 04-30-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29400 |  |  |  | 1975 |  |  |  |  |  |  | No | No | 1.7 | 1 | 1 | N/A | 44.53 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 395 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2325 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 89.03 | 1.12 | 1.123 | 1513.57 | 2325 | 03-01-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20663 |  |  |  | 1700 |  |  |  |  |  |  | No | No | 3.8 | 1 | 1 | N/A | 10.57 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 402 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  |  |  |  | 3000 | Appraisal - 1007 | No | 90.31 | 1.1 | 1.107 | 2709.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26200 |  |  |  | 3000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.99 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 409 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 750 | Appraisal - 1007 |  |  |  |  | 750 | Appraisal - 1007 | No | 116.54 | 0.85 | 0.858 | 874.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22600 |  |  |  | 750 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 90.44 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 414 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 6000 | Appraisal - 1025 |  |  |  |  | 6000 | Appraisal - 1025 | No | 64.91 | 1.54 | 1.541 | 3894.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 64241 |  |  |  | 6000 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 127.69 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 416 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2250 | Appraisal - 1025 |  |  |  |  | 2250 | Appraisal - 1025 | No | 56.55 | 1.768 | 1.768 | 1272.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27000 |  |  |  | 2250 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 172.61 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 440 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1620 | Short Term Rental | 3508.33 | AirDNA | 12 | 72.70% | 3508.33 | AirDNA | Yes | 73.04 | 1.36 | 1.369 | 2562.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42000 |  | 0 |  | 3508.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 22.41 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 445 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1850 | Appraisal - 1007 |  |  |  |  | 1850 | Appraisal - 1007 | No | 79.11 | 1.264 | 1.264 | 1463.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22200 |  |  |  | 1850 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 262.73 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 448 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2235 | Appraisal - 1007 |  |  |  |  | 2235 | Appraisal - 1007 | No | 61.03 | 1.63 | 1.638 | 1364.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 8184.66 |  |  |  | 2235 |  |  |  |  |  |  |  | No | 0 | 4 | 1 | N/A | 873.7 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 460 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3493.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 126000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.1 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 462 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 7007.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 130100 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.57 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 464 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 5100 | Appraisal - 1025 |  |  |  |  | 5100 | Appraisal - 1025 | No | 98.58 | 1.014 | 0.906 | 5627.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35850 |  |  |  | 5100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 34.17 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | Full Recourse | XX | Vacant |
| 466 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 9958.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 47.62 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 467 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 8041.66 | AirDNA | 12 | 66.70% | 8041.66 | AirDNA | Yes | 38.98 | 2.72 | 2.084 | 3858.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  | 8041.66 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 122.92 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 483 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2200 | 2500 | Appraisal - 1025 |  |  |  |  | 2200 | Actual In Place Rent | No | 77.66 | 1.288 | 1.288 | 1708.58 | 1100 | 04-23-2026 | 1 | 1100 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26400 |  |  |  | 2200 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 9.51 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 490 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2780 | 3500 | Appraisal - 1025 |  |  |  |  | 2780 | Actual In Place Rent | No | 77.8 | 1.28 | 1.285 | 2162.94 | 945 | 08-31-2027 | 18 | 825 | 10-31-2026 | 6 | 1010 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 57336 |  |  |  | 2780 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 56.66 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 491 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1780 | Appraisal - 1025 |  |  |  |  | 1780 | Appraisal - 1025 | No | 92.49 | 1.04 | 1.081 | 1646.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  | 1780 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 13.28 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 497 | XX |  |  | XX | XX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1983.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 28.4 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 500 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2235 | Appraisal - 1007 |  |  |  |  | 2235 | Appraisal - 1007 | No | 61.03 | 1.638 | 1.638 | 1364.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38770 |  |  |  | 2235 |  |  |  |  |  |  |  | No | 0 | 4 | 1 | N/A | 870.41 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 503 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2235 | Appraisal - 1007 |  |  |  |  | 2235 | Appraisal - 1007 | No | 61.03 | 1.63 | 1.638 | 1364.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38770 |  |  |  | 2235 |  |  |  |  |  |  |  | No | 0 | 4 | 1 | N/A | 870.62 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 510 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3000 | 3000 | Appraisal - 1007 |  |  |  |  | 3000 | Appraisal - 1007 | No | 99.6 | 1 | 1.004 | 2987.91 | 3000 | 09-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41572 |  |  |  | 3000 |  |  |  |  |  |  | No | No | 2.1 | 1 | 1 | N/A | 12.55 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 517 | XX |  |  | XX | XX | 24 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1494.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17311 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 14.77 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 520 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1825 | 1850 | Appraisal - 1007 |  |  |  |  | 1825 | Actual In Place Rent | No | 98.59 | 1.014 | 1.014 | 1799.27 | 1825 | 08-14-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10000 |  |  |  | 1825 |  |  |  |  |  |  | No | No | 11.2 | 3 | 1 | N/A | 76.75 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 524 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Appraisal - 1007 | No | 92.69 | 1.07 | 1.079 | 1853.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25880 |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 118.04 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 528 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 5850 | 6400 | Appraisal - 1025 |  |  |  |  | 5850 | Actual In Place Rent | No | 86.51 | 1.156 | 1.156 | 5060.78 | 1250 | 04-21-2026 | 1 | 2000 | 04-21-2026 | 1 | 2600 | 04-21-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 77554 |  |  |  | 5850 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 28.51 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 534 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2360 | Appraisal - 1007 |  |  |  |  | 2360 | Appraisal - 1007 | No | 67.12 | 1.48 | 1.49 | 1584.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28500 |  |  |  | 2360 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 31.34 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 543 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1550 | Appraisal - 1025 |  |  |  |  | 1550 | Appraisal - 1025 | No | 79.75 | 1.25 | 1.254 | 1236.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 122800 |  |  |  | 1550 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 116.77 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 545 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1550 | 1550 | Appraisal - 1007 |  |  |  |  | 1550 | Appraisal - 1007 | No | 84.36 | 1.185 | 1.185 | 1307.63 | 1550 | 03-04-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13760 |  |  |  | 1550 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 100.77 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 546 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  |  |  |  | 1900 | Appraisal - 1007 | No | 99.52 | 1 | 1.005 | 1890.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32963 |  |  |  | 1900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.96 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 550 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2000 | 1525 | Appraisal - 1007 |  |  |  |  | 1525 | Appraisal - 1007 | No | 67.54 | 1.48 | 1.481 | 1029.96 | 2000 | 01-01-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17500 |  |  |  | 1525 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 56.9 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 557 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3400 | Appraisal - 1007 |  |  |  |  | 3400 | Appraisal - 1007 | No | 125.96 | 0.794 | 0.794 | 4282.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40800 |  |  |  | 3400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 13.1 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 563 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3924.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 47091 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.31 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 574 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4000 | 4500 | Appraisal - 1007 |  |  |  |  | 4000 | Actual In Place Rent | No | 74.4 | 1.34 | 1.344 | 2976.09 | 1500 | 03-01-2027 | 12 | 1300 | 03-01-2027 | 12 | 1200 | 03-01-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 75000 |  |  |  | 4000 |  |  |  |  |  |  | No | No | 4.9 | 1 | 1 | N/A | 55.34 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 579 | XX |  |  | XX | XX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2843.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 16.47 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 580 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1775 | Appraisal - 1007 |  |  |  |  | 1775 | Appraisal - 1007 | No | 81.26 | 1.22 | 1.231 | 1442.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17000 |  |  |  | 1775 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 18.63 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 584 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal - 1025 |  |  |  |  | 2800 | Appraisal - 1025 | No | 45.14 | 2.2 | 2.215 | 1263.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15984 |  | XX |  | 2800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 176.35 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 587 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1800 | 1715 | Appraisal - 1007 |  |  |  |  | 1715 | Appraisal - 1007 | No | 66.54 | 1.57 | 1.503 | 1141.23 | 1800 | 08-31-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16000 |  |  |  | 1715 |  |  |  |  |  |  | No | No | 5 | 2 | 1 | N/A | 18.71 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 589 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1007 |  |  |  |  | 1500 | Appraisal - 1007 | No | 73.89 | 1.353 | 1.353 | 1108.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 1500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 27.32 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 591 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1600 | 1690 | Appraisal - 1007 |  |  |  |  | 1600 | Actual In Place Rent | No | 77.03 | 1.29 | 1.298 | 1232.49 | 1600 | 01-01-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16500 |  |  |  | 1600 |  |  |  |  |  |  | No | No | 4.8 | 1 | 1 | N/A | 32.11 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 600 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1780.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.24 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 606 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1150 | 1200 | Appraisal - 1007 |  |  |  |  | 1150 | Actual In Place Rent | No | 92.63 | 1.07 | 1.08 | 1065.26 | 1150 | 05-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15150 |  |  |  | 1150 |  |  |  |  |  |  | No | No | 4.8 | 1 | 1 | N/A | 94.68 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 614 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Appraisal - 1007 | No | 80.75 | 1.23 | 1.238 | 1453.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 8690.76 |  |  |  | 1800 |  |  |  |  |  |  |  | No | 1.3 | 1 | 1 | N/A | 34.01 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 615 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1550 | Appraisal - 1007 |  |  |  |  | 1550 | Appraisal - 1007 | No | 110.91 | 0.86 | 0.902 | 1719.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21418.2 |  |  |  | 1550 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.48 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 618 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1485 | Appraisal - 1007 |  |  |  |  | 1485 | Appraisal - 1007 | No | 182.98 | 0.54 | 0.546 | 2717.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16303.5 |  |  |  | 1485 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 6.65 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 620 | XX |  |  | XX | XX | 12 Month Bank Statement | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 3944.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41500 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.75 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 634 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4000 | Appraisal - 1007 |  |  |  |  | 4000 | Appraisal - 1007 | No | 164.68 | 0.6 | 0.607 | 6587.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 90900 |  |  |  | 4000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 59.53 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 636 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  |  |  |  | 3500 | Appraisal - 1007 | No | 99.21 | 1 | 0.816 | 4289.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42000 |  |  |  | 3500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 19.37 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 640 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  |  |  |  | 2200 | Appraisal - 1007 | No | 99.03 | 1.02 | 1.01 | 2178.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29500 |  |  |  | 2200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 45.15 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 641 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1770 | Appraisal - 1007 |  |  |  |  | 1770 | Appraisal - 1007 | No | 82.32 | 1.2 | 1.215 | 1457.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22950 |  |  |  | 1770 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 13.78 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 651 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4325 | Appraisal - 1007 |  |  |  |  | 4325 | Appraisal - 1007 | No | 88.24 | 1.13 | 1.133 | 3816.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 64730 |  |  |  | 4325 |  |  |  |  |  |  |  | No | 0 | 3 | 1 | N/A | 12.19 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 658 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 3097.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 119098 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 19.15 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 662 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1550 | Appraisal - 1007 |  |  |  |  | 1550 | Appraisal - 1007 | No | 88.13 | 1.13 | 1.135 | 1366.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16392.36 |  |  |  | 1550 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 31.77 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 664 | XX |  |  | XX | XX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2878.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36700 |  |  |  |  |  |  |  |  |  |  |  | No |  | 2 | 1 | N/A | 14.65 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 665 | XX |  |  | XX | XX | 2YR Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 10454.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36730 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 22.69 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Seller** | **Loan ID** | **Borrower Last Name** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Resolved/Cured Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| 44 | XX | XX | XX |  |  | Closed | 2026-04-17 17:10 | 2026-04-27 18:36 | 2026-04-27 18:36 | Resolved | 1 - Information | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Cash to borrower includes $740 appraisal fee. Resolved. - Due Diligence Vendor-04/27/2026 <br>Resolved-Cash Out Meets Guideline Requirements - Due Diligence Vendor-04/27/2026 <br>Ready for Review-The CD shows POC of $750 appraisal and when POC included in actual costs, incidental cash back is under $2,000. Kindly overturn finding. - Buyer-04/27/2026 <br>Open-Cash Out Does Not Meet Guideline Requirements Per Lender guidelines Incidental Cash Back Cash out amount not to exceed the lesser of $2,000 or 2% of the loan amount, borrower received $2320.64. - Due Diligence Vendor-04/17/2026 |  | Resolved-Cash to borrower includes $740 appraisal fee. Resolved. - Due Diligence Vendor-04/27/2026 <br>Resolved-Cash Out Meets Guideline Requirements - Due Diligence Vendor-04/27/2026<br>|  |  |  | MD | Investment | Refinance | Cash Out - Other | 8748200 | N/A | N/A |
| 44 | XX | XX | XX |  |  | Closed | 2026-04-20 09:06 | 2026-04-20 09:06 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/20/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/20/2026<br>|  |  |  | MD | Investment | Refinance | Cash Out - Other | 8767139 | Investor Post-Close | No |
| 45 | XX | XX | XX |  |  | Closed | 2026-04-06 20:09 | 2026-04-24 13:02 | 2026-04-24 13:02 | Resolved | 1 - Information | 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-04/24/2026 <br> Ready for Review-The CPA Letter dated 2/xx/2026 for CLB Consulting is on page 336 of the upload. Reuploaded the CPA letter. Kindly overturn. - Buyer-04/24/2026 <br> Counter-Lender provided updated VVOE for Business within 20 days, however we need it for business listed on 1c of the final application, condition remains. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. The VVOE dated within 20 days of closing is on page 332 of the upload. I have reattached it here. Kindly overturn finding. - Buyer-04/17/2026 <br> Counter-VVOE for business 1C on the final 1003 is expired. SE VVOEs must be within 20 calendar days of the Note date. CPA letter dated 2/xx/2026, Note date is 3/xx/2026. Not resolved. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-CPA Letter is on page 548 of 1042 in the upload. Kindly Overturn. - Buyer-04/09/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/07/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/24/2026<br>| XX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 8513781 | N/A | N/A |
| 51 | XX | XX | XX |  |  | Closed | 2026-04-06 18:04 | 2026-06-10 12:40 | 2026-06-10 12:40 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower1 VVOE Document Uploaded. Finding Resolved - Due Diligence Vendor-06/10/2026 <br> Resolved-received - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. No change to employment. Thank you - Buyer-04/17/2026 <br> Counter-For Self Employed borrowers the VVOE is required to be within 20 calendar days of the Note date. Business search is dated 1/xx/26, Note date is 3/xx/26 which is greater than 20 days from VVOE. Provide ZVVOE dated within 20 calendar days prior to the Note date. Not resolved. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Borrower is self employed. Business search was included in the upload. Kindly Overturn. - Buyer-04/09/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Borrower is self employed. Business search was included in the upload. Kindly Overturn. - Buyer-04/07/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/06/2026 |  | Resolved-Borrower1 VVOE Document Uploaded. Finding Resolved - Due Diligence Vendor-06/10/2026 <br>Resolved-received - Due Diligence Vendor-04/21/2026<br>| XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 8512366 | N/A | N/A |
| 51 | XX | XX | XX |  |  | Closed | 2026-04-06 18:04 | 2026-06-10 12:39 | 2026-06-10 12:39 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower2 VVOE Document Received. Finding Resolved. - Due Diligence Vendor-06/10/2026 <br> Resolved-received - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. No change to employment. Thank you - Seller-04/17/2026 <br> Counter-For Self Employed borrowers the VVOE is required to be within 20 calendar days of the Note date. Business search is dated 1/xx/26, Note date is 3/xx/26 which is greater than 20 days from VVOE. Provide ZVVOE dated within 20 calendar days prior to the Note date. Not resolved. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Borrower is self employed. Business search was included in the upload. Kindly Overturn. - Investor-04/09/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Borrower is self employed. Business search was included in the upload. Kindly Overturn. - Investor-04/07/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. No change to employment. Thank you - Seller-04/17/2026<br>| Resolved-Borrower2 VVOE Document Received. Finding Resolved. - Due Diligence Vendor-06/10/2026 <br>Resolved-received - Due Diligence Vendor-04/21/2026<br>| XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 8512367 | N/A | N/A |
| 53 | XX | XX | XX |  |  | Closed | 2026-04-30 11:46 | 2026-04-30 11:46 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/30/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/30/2026<br>|  |  |  | MI | Investment | Refinance | Cash Out - Other | 8974295 | Investor Post-Close | No |
| 54 | XX | XX | XX |  |  | Closed | 2026-04-17 14:31 | 2026-04-23 14:33 | 2026-04-23 14:33 | Resolved | 1 - Information | Compliance | Interest:Accrual | Louisiana - Interest Rate Accrual | Resolved-Review CD and Compliance, made changes, re-ran Mavent, finding resolved. - Due Diligence Vendor-04/23/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. Final CD and ComplianceEase shows prepaid interest was correctly posted. Kindly overturn finding. - Buyer-04/22/2026 <br>Open-Under the Louisiana Interest Provisions, finance charges may not begin to accrue before the loan funds are disbursed. (La. Rev. Stat. Ann. 9:3506.1(A)) Prepaid interest dates are updated correctly - Due Diligence Vendor-04/17/2026 <br>Open-XX- Due Diligence Vendor-04/17/2026 <br>Open-XX- Due Diligence Vendor-04/17/2026 <br>Open-XX- Due Diligence Vendor-04/17/2026 |  | Resolved-Review CD and Compliance, made changes, re-ran Mavent, finding resolved. - Due Diligence Vendor-04/23/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/23/2026<br>| XX |  |  | LA | Primary Residence | Purchase | NA | 8744347 | N/A | N/A |
| 54 | XX | XX | XX |  |  | Closed | 2026-04-17 14:24 | 2026-04-17 14:24 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/17/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/17/2026<br>|  |  |  | LA | Primary Residence | Purchase | NA | 8744204 | Investor Post-Close | No |
| 57 | XX | XX | XX |  |  | Closed | 2026-04-03 10:39 | 2026-04-15 11:24 | 2026-04-15 11:24 | Resolved | 1 - Information | Credit | Assets | Asset 1 Expired | Resolved-Removed expired asset, cash out sufficient to cover reserves. Condition resolved. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-UW Calc Sheet - comments from underwriter indicate assets provided are expired but using proceeds instead; cash out refinance, CD shows cash to borrower of $37,031.39 and sufficient to cover required reserves of $7400. Product Profile allows cash reserves from the transaction to be used for reserves. Kindly overturn finding. - Buyer-04/14/2026 <br> Open-Money Market account expired. XX document provided was dated 1/31/2024. - Due Diligence Vendor-04/03/2026 |  | Resolved-Removed expired asset, cash out sufficient to cover reserves. Condition resolved. - Due Diligence Vendor-04/15/2026<br>|  |  |  | AR | Investment | Refinance | Cash Out - Other | 8476793 | N/A | N/A |
| 59 | XX | XX | XX |  |  | Closed | 2026-05-12 12:40 | 2026-05-15 07:28 |  | Waived | 2 - Non-Material | Credit | Eligibility | Credit history does not meet guidelines | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/12/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/12/2026<br>|  |  | Minimum FICO: 720 Actual FICO: 766 <br> 10 years SE vs 2 year guideline <br> Maximum DTI: 50% Actual DTI: 38.31% <br> Required Reserves: 3 mos ($7,205.91) Actual Reserves: 9 mos ($22,475.) (using 75% of business account.) | TX | Primary Residence | Purchase | NA | 9156552 | Originator Pre-Close | Yes |
| 62 | XX | XX | XX |  |  | Closed | 2026-05-18 15:30 | 2026-05-18 15:30 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/18/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/18/2026<br>|  |  |  | TX | Investment | Refinance | Cash Out - Other | 9261803 | Investor Post-Close | No |
| 63 | XX | XX | XX |  |  | Closed | 2026-04-08 13:57 | 2026-04-29 11:51 | 2026-04-29 11:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Verification of March and April rent payments received. - Due Diligence Vendor-04/29/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/29/2026 <br>Open-The lease for the subject property expired on 2/28/2026 and converted to a month-XX-month tenancy. While such a transition is allowed upon verification of the latest rent payment, audit could not confirm receipt of the most recent $3,000 payment. - Due Diligence Vendor-04/08/2026 |  | Resolved-Verification of March and April rent payments received. - Due Diligence Vendor-04/29/2026<br>| XX |  |  | NJ | Investment | Refinance | Cash Out - Other | 8555576 | N/A | N/A |
| 68 | XX | XX | XX |  |  | Closed | 2026-04-03 08:00 | 2026-04-13 18:50 | 2026-04-13 18:50 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-Received ROR signed by borrower and spouse. Resolved. - Due Diligence Vendor-04/13/2026 <br>Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/13/2026 <br>Open-TILA: NORTC Missing for one or more borrowers/vested parties - Due Diligence Vendor-04/03/2026 |  | Resolved-Received ROR signed by borrower and spouse. Resolved. - Due Diligence Vendor-04/13/2026 <br>Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-04/13/2026<br>| XX |  |  | IA | Primary Residence | Refinance | Cash Out - Other | 8472690 | N/A | N/A |
| 68 | XX | XX | XX |  |  | Closed | 2026-04-03 08:00 | 2026-04-13 18:50 | 2026-04-13 18:50 | Resolved | 1 - Information | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Received ROR signed by borrower and spouse. Resolved. - Due Diligence Vendor-04/13/2026 <br>Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/13/2026 <br>Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form - Due Diligence Vendor-04/03/2026 |  | Resolved-Received ROR signed by borrower and spouse. Resolved. - Due Diligence Vendor-04/13/2026 <br>Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-04/13/2026<br>| XX |  |  | IA | Primary Residence | Refinance | Cash Out - Other | 8472689 | N/A | N/A |
| 69 | XX | XX | XX |  |  | Closed | 2026-04-30 11:03 | 2026-05-06 15:56 | 2026-05-06 15:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Lender provided the Patriot Act Form - Due Diligence Vendor-05/06/2026 <br> Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. - Investor-05/06/2026 <br> Counter-Patriot Act Disclosure pg.1230 only the acknowledgment, missing the page what Identification was used. Condition remains. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Patriot Act Disclosure pg.XX of 1638 and XX pg XX was part of the original upload. Kindly Overturn. - Buyer-05/04/2026 <br> Open-Missing Borrower Identification - Borrower 2. Missing Borrower Identification B2 - Due Diligence Vendor-04/30/2026 |  | Resolved-Lender provided the Patriot Act Form - Due Diligence Vendor-05/06/2026 <br>Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-05/06/2026<br>| XX |  |  | UT | Second Home | Purchase | NA | 8973135 | N/A | N/A |
| 69 | XX | XX | XX |  |  | Closed | 2026-04-30 11:03 | 2026-05-06 15:55 | 2026-05-06 15:55 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Lender provided the Patriot Act Form - Due Diligence Vendor-05/06/2026 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-05/06/2026 <br>Ready for Review-Document Uploaded. - Buyer-05/06/2026 <br>Counter-Patriot Act Disclosure pg.1229 only the acknowledgment, missing the page what Identification was used. Condition remains. - Due Diligence Vendor-05/04/2026 <br>Ready for Review-Patriot Act Disclosure pg.1229 only the acknowledgment, missing the page what Identification was used. Condition remains. - Due Diligence Vendor-05/04/2026 <br>Ready for Review-Patriot Act Disclosure pg.1229 of 1638 was part of the original upload. Kindly Overturn. - Seller-05/04/2026 <br>Open-Missing Borrower Identification - Borrower 1. Missing Borrower Identification B1 - Due Diligence Vendor-04/30/2026 | Ready for Review-Patriot Act Disclosure pg.1229 of 1638 was part of the original upload. Kindly Overturn. - Seller-05/04/2026<br>| Resolved-Lender provided the Patriot Act Form - Due Diligence Vendor-05/06/2026 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-05/06/2026<br>| XX |  |  | UT | Second Home | Purchase | NA | 8973134 | N/A | N/A |
| 69 | XX | XX | XX |  |  | Closed | 2026-04-30 14:03 | 2026-04-30 14:05 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. secondary product within tolerance. Desk review Page#780-837 - Due Diligence Vendor-04/30/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. secondary product within tolerance. Desk review Page#780-837 - Due Diligence Vendor-04/30/2026<br>|  |  |  | UT | Second Home | Purchase | NA | 8977993 | Investor Post-Close | No |
| 76 | XX | XX | XX |  |  | Closed | 2026-04-17 13:01 | 2026-04-17 13:01 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/17/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/17/2026<br>|  |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 8742381 | Investor Post-Close | No |
| 93 | XX | XX | XX |  |  | Closed | 2026-05-04 09:16 | 2026-05-05 18:26 | 2026-05-05 18:26 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Thank you for providing the executed 4506. Resolved. - Due Diligence Vendor-05/05/2026 <br>Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-05/05/2026 <br>Ready for Review-Document Uploaded. - Buyer-05/05/2026 <br>Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-05/04/2026 |  | Resolved-Thank you for providing the executed 4506. Resolved. - Due Diligence Vendor-05/05/2026 <br>Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-05/05/2026<br>| XX |  |  | FL | Primary Residence | Purchase | NA | 9022343 | N/A | N/A |
| 100 | XX | XX | XX |  |  | Closed | 2026-04-14 15:43 | 2026-04-27 18:30 | 2026-04-27 18:30 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Thank you for providing the VOM. Resolved. - Due Diligence Vendor-04/27/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/27/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The lender requires verification of the most recent 12-month housing history. We are currently missing the prior mortgage history from XX for the borrower's primary residence on XX. - Due Diligence Vendor-04/14/2026 |  | Resolved-Thank you for providing the VOM. Resolved. - Due Diligence Vendor-04/27/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/27/2026<br>| XX |  |  | IL | Investment | Refinance | No Cash Out - Borrower Initiated | 8661591 | N/A | N/A |
| 126 | XX | XX | XX |  |  | Closed | 2026-05-12 09:03 | 2026-05-12 09:03 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026<br>|  |  |  | NC | Primary Residence | Purchase | NA | 9150319 | Investor Post-Close | No |
| 156 | XX | XX | XX |  |  | Closed | 2026-05-12 09:44 | 2026-05-20 15:38 | 2026-05-20 15:38 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-05/20/2026 <br>Ready for Review-Document Uploaded. - Buyer-05/20/2026 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-05/12/2026 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-05/20/2026<br>| XX |  |  | MA | Investment | Purchase | NA | 9151340 | N/A | N/A |
| 160 | XX | XX | XX |  |  | Closed | 2026-05-15 12:54 | 2026-05-20 09:53 | 2026-05-20 09:53 | Resolved | 1 - Information | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/20/2026 <br> Ready for Review-Underwriter used the tax estimator which included an exception for homestead; it is also noted that the final CD showed escrow for taxes/insurance in the amounts used by underwriting; However, even if full amount of taxes without any exemptions of $11,148 considered (XX #XX, tax cert index), PITIA increases $261 monthly and DTI increases from 6.51% to 6.80% . Nothing further required as loan still qualifies (DTI, reserves and residual). Kindly Overturn finding. - Buyer-05/19/2026 <br> Open-Missing Evidence of Property Tax amount $668.34 - Due Diligence Vendor-05/15/2026 |  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/20/2026<br>|  |  |  | TX | Primary Residence | Purchase | NA | 9224092 | N/A | N/A |
| 160 | XX | XX | XX |  |  | Closed | 2026-05-18 15:44 | 2026-05-18 15:44 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/18/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/18/2026<br>|  |  |  | TX | Primary Residence | Purchase | NA | 9262250 | Investor Post-Close | No |
| 206 | XX | XX | XX |  |  | Closed | 2026-04-15 12:22 | 2026-04-23 13:00 | 2026-04-23 13:00 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-lender provided initial disclosures showing What Mortgage Applicants Need to Know pamphlet was included. condition resolved - Due Diligence Vendor-04/23/2026 <br>Resolved-Disclosure provided. - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. initial docs 022326 - Buyer-04/22/2026 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. "What Mortgage Applicants Need to Know" is missing in file - Due Diligence Vendor-04/15/2026 |  | Resolved-lender provided initial disclosures showing What Mortgage Applicants Need to Know pamphlet was included. condition resolved - Due Diligence Vendor-04/23/2026 <br>Resolved-Disclosure provided. - Due Diligence Vendor-04/23/2026<br>| XX |  |  | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8683230 | N/A | N/A |
| 207 | XX | XX | XX |  |  | Closed | 2026-05-01 12:14 | 2026-05-11 10:54 | 2026-05-11 10:54 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-05/11/2026 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/11/2026 <br>Ready for Review-Document Uploaded. Please see attached insurance policy. - Buyer-05/08/2026 <br>Open-Hazard Insurance Policy Partially Provided: page# 2/2 is missing pdf #623 - Due Diligence Vendor-05/01/2026 |  | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-05/11/2026 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/11/2026<br>| XX |  |  | MA | Investment | Purchase | NA | 9003160 | N/A | N/A |
| 207 | XX | XX | XX |  |  | Closed | 2026-04-29 13:22 | 2026-04-29 13:22 |  | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-04/29/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-04/29/2026<br>|  |  |  | MA | Investment | Purchase | NA | 8955666 | Investor Post-Close | No |
| 208 | XX | XX | XX |  |  | Closed | 2026-05-18 12:52 | 2026-05-18 12:52 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/18/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/18/2026<br>|  |  |  | FL | Investment | Purchase | NA | 9256304 | Investor Post-Close | No |
| 214 | XX | XX | XX |  |  | Closed | 2026-05-14 08:17 | 2026-05-14 08:17 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/14/2026<br>|  |  |  | UT | Primary Residence | Purchase | NA | 9197573 | Investor Post-Close | No |
| 219 | XX | XX | XX |  |  | Closed | 2026-05-12 09:46 | 2026-05-12 09:46 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026<br>|  |  |  | CA | Investment | Purchase | NA | 9151397 | Investor Post-Close | No |
| 221 | XX | XX | XX |  |  | Closed | 2026-04-08 20:59 | 2026-05-13 10:47 | 2026-05-13 10:47 | Resolved | 1 - Information | Credit | Missing Doc | Missing Permanent Resident Alien Card (Borrower 1) | Resolved-Thank you for providing the borrowers Permanent Resident Identification. Resolved. - Due Diligence Vendor-05/13/2026 <br>Ready for Review-Document Uploaded. Please see attached Permanent Resident Card - Buyer-05/13/2026 <br>Open-Missing Permanent Resident Alien Card for Borrower 1 - Due Diligence Vendor-04/09/2026 |  | Resolved-Thank you for providing the borrowers Permanent Resident Identification. Resolved. - Due Diligence Vendor-05/13/2026<br>| XX |  |  | LA | Primary Residence | Purchase | NA | 8564211 | N/A | N/A |
| 241 | XX | XX | XX |  |  | Closed | 2026-04-29 09:44 | 2026-05-05 19:11 | 2026-05-05 19:11 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Thank you for providing confirmation of the borrowers EConsent. Resolved. - Due Diligence Vendor-05/06/2026 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-05/06/2026 <br>Ready for Review-Document Uploaded. econsent - Buyer-05/05/2026 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-04/29/2026 |  | Resolved-Thank you for providing confirmation of the borrowers EConsent. Resolved. - Due Diligence Vendor-05/06/2026 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-05/06/2026<br>| XX |  |  | WA | Primary Residence | Purchase | NA | 8947869 | N/A | N/A |
| 241 | XX | XX | XX |  |  | Closed | 2026-04-29 09:28 | 2026-05-05 19:10 | 2026-05-05 19:10 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Thank you for providing confirmation of the borrowers EConsent. Resolved. - Due Diligence Vendor-05/06/2026 <br>Resolved-XX-Consent documentation for borrower(s) provided. - Due Diligence Vendor-05/06/2026 <br>Ready for Review-Document Uploaded. econsent - Buyer-05/05/2026 <br>Open-XX-Consent documentation is missing for borrower(s). initial e signed on 03/08/2026 however consent is missing in file - Due Diligence Vendor-04/29/2026 |  | Resolved-Thank you for providing confirmation of the borrowers EConsent. Resolved. - Due Diligence Vendor-05/06/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-05/06/2026<br>| XX |  |  | WA | Primary Residence | Purchase | NA | 8946984 | N/A | N/A |
| 241 | XX | XX | XX |  |  | Closed | 2026-04-30 11:52 | 2026-04-30 11:52 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/30/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/30/2026<br>|  |  |  | WA | Primary Residence | Purchase | NA | 8974422 | Investor Post-Close | No |
| 245 | XX | XX | XX |  |  | Closed | 2026-05-13 09:53 | 2026-05-28 08:39 | 2026-05-28 08:38 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-05/28/2026 <br> Ready for Review-Document Uploaded. Please see attached document stating the replacement cost amount as XX which is what the dwelling amount on the policy is. - Investor-05/27/2026 <br> Counter-Provided hazard policy identifies extended limits but does not specify the extended amount/percentage. Provide additional policy detail that discloses the amount of extended coverage available to determine if coverage meets guidelines. - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. advised investor policy states it has extended replacement cost coverage - Buyer-05/22/2026 <br> Counter-Lender response not related to the hazard insurance policy. Condition retained. - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. Please see attached fee tolerance comparison and advise what fee a COC is missing for. - Investor-05/20/2026 <br> Open-Hazard Insurance Coverage Amount of $XX is less than Total Amount of Subject Lien(s) of $XX. Replacement cost document not provided - Due Diligence Vendor-05/13/2026 |  | Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-05/28/2026 | XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 9174701 | N/A | N/A |
| 245 | XX | XX | XX |  |  | Closed | 2026-05-18 10:47 | 2026-05-22 10:18 | 2026-05-22 10:18 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Upon further review, tolerance cure provided is sufficient. Condition cleared. - Due Diligence Vendor-05/22/2026 <br>Ready for Review-Document Uploaded. Please see attached fee tolerance comparison and advise what fee a COC is missing for. - Investor-05/20/2026 <br>Open-A Lender Credit for Excess Charges of ($327.80), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($998.63) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC missing for lender credit decrease in lender credit - Due Diligence Vendor-05/18/2026 <br>Open-XX- Due Diligence Vendor-05/18/2026 |  | Resolved-Upon further review, tolerance cure provided is sufficient. Condition cleared. - Due Diligence Vendor-05/22/2026<br>| XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 9251947 | N/A | N/A |
| 245 | XX | XX | XX |  |  | Closed | 2026-05-18 10:47 | 2026-05-22 10:17 | 2026-05-22 10:17 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Upon further review, tolerance cure provided is sufficient. Condition cleared. - Due Diligence Vendor-05/22/2026 <br>Ready for Review-Document Uploaded. Please see attached fee tolerance comparison and advise what fee a COC is missing for. - Buyer-05/20/2026 <br>Open-A Lender Credit for Excess Charges of ($327.80), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($998.63) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC missing for lender credit decrease in lender credit - Due Diligence Vendor-05/18/2026 <br>Open-XX- Due Diligence Vendor-05/18/2026 |  | Resolved-Upon further review, tolerance cure provided is sufficient. Condition cleared. - Due Diligence Vendor-05/22/2026<br>| XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 9251946 | N/A | N/A |
| 248 | XX | XX | XX |  |  | Closed | 2026-05-12 13:46 | 2026-05-21 09:11 | 2026-05-21 09:10 | Resolved | 1 - Information | Credit | Missing Doc | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-05/21/2026 <br> Resolved-Lender provided CD for XX showing proceeds of $24,136.10, which 18K is being used. condition resolved. - Due Diligence Vendor-05/19/2026 <br> Ready for Review-Document Uploaded. CD for XXe - Buyer-05/19/2026 <br> Open-Asset 2 Missing Provide a legible copy of all pages of the final CD for XX confirming $18,000 cash-out proceeds. - Due Diligence Vendor-05/12/2026 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-05/21/2026 <br> Resolved-Lender provided CD for XX showing proceeds of $24,136.10, which 18K is being used. condition resolved. - Due Diligence Vendor-05/19/2026 | XX |  |  | IL | Investment | Refinance | Cash Out - Other | 9158816 | N/A | N/A |
| 248 | XX | XX | XX |  |  | Closed | 2026-05-12 13:46 | 2026-05-21 09:11 | 2026-05-21 09:10 | Resolved | 1 - Information | Credit | Missing Doc | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. REO docs - Buyer-05/20/2026 <br> Open-Asset 3 Missing Provide a legible copy of all pages of the final CD forXX confirming $27,000 cash-out proceeds. - Due Diligence Vendor-05/12/2026 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-05/21/2026<br>| XX |  |  | IL | Investment | Refinance | Cash Out - Other | 9158817 | N/A | N/A |
| 249 | XX | XX | XX |  |  | Closed | 2026-05-13 15:05 | 2026-06-08 09:16 | 2026-05-19 13:37 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/19/2026 <br>Ready for Review-Document Uploaded. Please see attached credit reports. - Buyer-05/19/2026 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Credit Report is missing to verify - Monthly Debt Obligations. - Due Diligence Vendor-05/13/2026 |  | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/19/2026<br>| XX |  |  | OR | Primary Residence | Purchase | NA | 9184477 | N/A | N/A |
| 249 | XX | XX | XX |  |  | Closed | 2026-05-13 15:02 | 2026-06-08 09:16 | 2026-06-08 09:16 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-06/08/2026 <br> Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender provided credit report for B1/CB. condition resolved. - Due Diligence Vendor-05/19/2026 <br> Ready for Review-UW manager response: Property in question was not sold, it is solely the responsibility of non-borrowing spouse, which is not required to be included in qualifying. - Buyer-05/19/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing final HUD-1 from sale of non-subject property - Application 1003 section 3A - 1XX.<br> - Due Diligence Vendor-05/13/2026 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-06/08/2026 <br>Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender provided credit report for B1/CB. condition resolved. - Due Diligence Vendor-05/19/2026<br>|  |  |  | OR | Primary Residence | Purchase | NA | 9184442 | N/A | N/A |
| 249 | XX | XX | XX |  |  | Closed | 2026-05-13 15:05 | 2026-06-08 09:16 | 2026-05-19 13:42 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Lender provided credit report for B1/CB, property is B2 responsibility and do not need to be included into debts. condition resolved. - Due Diligence Vendor-05/19/2026 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/19/2026 <br>Ready for Review-Document Uploaded. Please see attached credit reports. - Investor-05/19/2026 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements Credit Report is missing to verify Credit History. - Due Diligence Vendor-05/13/2026 |  | Resolved-Lender provided credit report for B1/CB, property is B2 responsibility and do not need to be included into debts. condition resolved. - Due Diligence Vendor-05/19/2026 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/19/2026<br>| XX |  |  | OR | Primary Residence | Purchase | NA | 9184476 | N/A | N/A |
| 249 | XX | XX | XX |  |  | Closed | 2026-05-13 15:01 | 2026-05-19 13:43 | 2026-05-19 13:43 | Resolved | 1 - Information | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Lender provided credit report for B1 and B2, property is B2 responsibility and do not need to be included into debts. condition resolved. - Due Diligence Vendor-05/19/2026 <br> Ready for Review-UW manager response: Property in question was not sold, it is solely the responsibility of non-borrowing spouse, which is not required to be included in qualifying. - Buyer-05/19/2026 <br> Open-Missing final HUD-1 from sale of non-subject property - Application 1003 section 3A - XX. - Due Diligence Vendor-05/13/2026 |  | Resolved-Lender provided credit report for B1 and B2, property is B2 responsibility and do not need to be included into debts. condition resolved. - Due Diligence Vendor-05/19/2026<br>|  |  |  | OR | Primary Residence | Purchase | NA | 9184412 | N/A | N/A |
| 249 | XX | XX | XX |  |  | Closed | 2026-05-13 14:20 | 2026-05-19 13:43 | 2026-05-19 13:43 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Lender provided credit report for B2 condition resolved. - Due Diligence Vendor-05/19/2026 <br>Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-05/19/2026 <br>Ready for Review-Document Uploaded. Please see attached credit report. - Investor-05/19/2026 <br>Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-05/13/2026 |  | Resolved-Lender provided credit report for B2 condition resolved. - Due Diligence Vendor-05/19/2026 <br>Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-05/19/2026<br>| XX |  |  | OR | Primary Residence | Purchase | NA | 9183034 | N/A | N/A |
| 249 | XX | XX | XX |  |  | Closed | 2026-05-13 14:20 | 2026-05-19 13:42 | 2026-05-19 13:42 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Lender provided credit report for B1 condition resolved. - Due Diligence Vendor-05/19/2026 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/19/2026 <br>Ready for Review-Document Uploaded. Please see attached credit report. - Investor-05/19/2026 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-05/13/2026 |  | Resolved-Lender provided credit report for B1 condition resolved. - Due Diligence Vendor-05/19/2026 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/19/2026<br>| XX |  |  | OR | Primary Residence | Purchase | NA | 9183033 | N/A | N/A |
| 257 | XX | XX | XX |  |  | Closed | 2026-04-20 08:21 | 2026-04-20 08:21 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. provided valuation reports are within tolerance. - Due Diligence Vendor-04/20/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. provided valuation reports are within tolerance. - Due Diligence Vendor-04/20/2026<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 8765720 | Investor Post-Close | No |
| 263 | XX | XX | XX |  |  | Closed | 2026-04-17 13:14 | 2026-04-23 14:50 | 2026-04-23 14:50 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Lender provided COC for the rate lock, which reflect Lender credit. condition resolved - Due Diligence Vendor-04/23/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. Please see attached COC. - Investor-04/22/2026 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($1,019.00). The actual total fee amount shows a credit amount of ($301.46). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($1,019.00). The Last CD shows a total lender credit amount of ($301.46). Insufficient COC. - Due Diligence Vendor-04/17/2026 <br>Open-XX- Due Diligence Vendor-04/17/2026 <br>Open-XX- Due Diligence Vendor-04/17/2026 |  | Resolved-Lender provided COC for the rate lock, which reflect Lender credit. condition resolved - Due Diligence Vendor-04/23/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/23/2026<br>| XX |  | The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($1,019.00). The actual total fee amount shows a credit amount of ($301.46). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). | MD | Primary Residence | Purchase | NA | 8742681 | N/A | N/A |
| 263 | XX | XX | XX |  |  | Closed | 2026-04-17 13:14 | 2026-04-23 14:50 | 2026-04-23 14:50 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Lender provided COC for the rate lock, which reflect Lender credit. condition resolved - Due Diligence Vendor-04/23/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. Please see attached COC. - Buyer-04/22/2026 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($1,019.00). The Last CD shows a total lender credit amount of ($301.46). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($1,019.00). The Last CD shows a total lender credit amount of ($301.46). Insufficient COC. - Due Diligence Vendor-04/17/2026 <br>Open-XX- Due Diligence Vendor-04/17/2026 <br>Open-XX- Due Diligence Vendor-04/17/2026 |  | Resolved-Lender provided COC for the rate lock, which reflect Lender credit. condition resolved - Due Diligence Vendor-04/23/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/23/2026<br>| XX |  |  | MD | Primary Residence | Purchase | NA | 8742680 | N/A | N/A |
| 266 | XX | XX | XX |  |  | Closed | 2026-04-28 08:49 | 2026-05-06 15:41 | 2026-05-06 15:41 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-Lender provided documentation that a right to cancel is not required. - Due Diligence Vendor-05/06/2026 <br>Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-05/06/2026 <br>Ready for Review-Document Uploaded. This was the permanent financing to their completed construction; therefore, there wasn't a notice of right to cancel. - Buyer-05/06/2026 <br>Open-TILA: NORTC Missing for one or more borrowers/vested parties Right to cancel document is missing - Due Diligence Vendor-04/28/2026 |  | Resolved-Lender provided documentation that a right to cancel is not required. - Due Diligence Vendor-05/06/2026 <br>Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-05/06/2026<br>| XX |  |  | LA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8917849 | N/A | N/A |
| 266 | XX | XX | XX |  |  | Closed | 2026-04-29 11:51 | 2026-05-06 15:40 | 2026-05-06 15:40 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided documentation that a Right to Cancel form is not required on a Construction to permanent transaction. - Due Diligence Vendor-05/06/2026 <br>Open-XX- Due Diligence Vendor-05/06/2026 <br>Ready for Review-Document Uploaded. This was the permanent financing to their completed construction; therefore, there wasn't a notice of right to cancel. - Buyer-05/06/2026 <br>Open-XX- Due Diligence Vendor-04/29/2026 <br>Open-The loan disbursement date (2026-XX-24) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2026-XX-28). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel document missing. - Due Diligence Vendor-04/29/2026 <br>Open-XX- Due Diligence Vendor-04/29/2026 |  | Resolved-Lender provided documentation that a Right to Cancel form is not required on a Construction to permanent transaction. - Due Diligence Vendor-05/06/2026<br>| XX |  |  | LA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8952935 | N/A | N/A |
| 279 | XX | XX | XX |  |  | Closed | 2026-04-28 12:24 | 2026-05-05 11:34 | 2026-05-05 11:32 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Rate lock COC updated. Resolved - Due Diligence Vendor-05/05/2026 <br> Resolved-Resolved - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. 5/4/26 Please see uploaded COC for the CD 4/XX/2026 - Buyer-05/04/2026 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($12,737.00). The Last CD shows a total lender credit amount of ($2,053.50). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). COC for change of Lender credit is missing - Due Diligence Vendor-04/28/2026 <br> Open-XX- Due Diligence Vendor-04/28/2026 |  | Resolved-Rate lock COC updated. Resolved - Due Diligence Vendor-05/05/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/05/2026<br>| XX |  |  | MI | Primary Residence | Purchase | NA | 8925059 | N/A | N/A |
| 279 | XX | XX | XX |  |  | Closed | 2026-04-28 12:24 | 2026-05-05 11:32 | 2026-05-05 11:32 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Rate lock COC updated. Resolved - Due Diligence Vendor-05/05/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/05/2026 <br>Ready for Review-Document Uploaded. 5/4/26 Please see uploaded COC for the CD 4/8/2026 - Buyer-05/04/2026 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($12,737.00). The actual total fee amount shows a credit amount of ($2,053.50). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). COC for change of Lender credit is missing - Due Diligence Vendor-04/28/2026 <br>Open-XX- Due Diligence Vendor-04/28/2026 |  | Resolved-Rate lock COC updated. Resolved - Due Diligence Vendor-05/05/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/05/2026<br>| XX |  |  | MI | Primary Residence | Purchase | NA | 8925060 | N/A | N/A |
| 291 | XX | XX | XX |  |  | Closed | 2026-04-01 07:11 | 2026-04-06 10:07 |  | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Not required. - Due Diligence Vendor-04/06/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. Not required. - Due Diligence Vendor-04/06/2026<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 8424159 | Investor Post-Close | No |
| 296 | XX | XX | XX |  |  | Closed | 2026-04-09 12:50 | 2026-04-22 13:09 | 2026-04-22 13:09 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XX) | Cured-Cure received. B Grade applies. - Due Diligence Vendor-04/22/2026 <br>Ready for Review-Please see attached cure package. - Buyer-04/21/2026 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Mavent is failing for Credit report fee increase from $126.00 to $129.00 and COC is present however no information given for fee increase. - Due Diligence Vendor-04/09/2026 <br>Open-XX- Due Diligence Vendor-04/09/2026 |  | Cured-Cure received. B Grade applies. - Due Diligence Vendor-04/22/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 8580507 | N/A | N/A |
| 296 | XX | XX | XX |  |  | Closed | 2026-04-09 12:50 | 2026-04-22 13:09 | 2026-04-22 13:09 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XX) | Cured-Cure received. B Grade applies. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. Please see attached cure package. - Buyer-04/21/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). XX is failing for Credit report fee increase from $126.00 to $129.00 and COC is present however no information given for fee increase. - Due Diligence Vendor-04/09/2026 <br> Open-XX- Due Diligence Vendor-04/09/2026 |  | Cured-Cure received. B Grade applies. - Due Diligence Vendor-04/22/2026<br>| XX |  |  | FL | Primary Residence | Purchase | NA | 8580506 | N/A | N/A |
| 297 | XX | XX | XX |  |  | Closed | 2026-04-02 04:39 | 2026-04-14 13:54 | 2026-04-14 13:54 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XX) | Resolved-Variance was due to $110 Lender paid credit report. Resolved. - Due Diligence Vendor-04/14/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/14/2026 <br>Ready for Review-Finding invalid. The Credit Report fee was disclosed as $114.45 on the initial Loan Estimate; however, because the LE system does not permit the disclosure of cents, the amount was rounded down and disclosed as $114. The borrower paid $114.45 at closing, which does not represent an increase over the amount initially disclosed. Therefore, no violation occurred and no cure is required. - Investor-04/14/2026 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/02/2026 <br>Open-XX- Due Diligence Vendor-04/02/2026 <br>Open-XX- Due Diligence Vendor-04/02/2026 |  | Resolved-Variance was due to $110 Lender paid credit report. Resolved. - Due Diligence Vendor-04/14/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/14/2026<br>|  |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8446847 | N/A | N/A |
| 297 | XX | XX | XX |  |  | Closed | 2026-04-02 04:39 | 2026-04-14 13:54 | 2026-04-14 13:54 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XX) | Resolved-Variance was due to $110 Lender paid credit report. Resolved. - Due Diligence Vendor-04/14/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/14/2026 <br>Ready for Review-Finding invalid. The Credit Report fee was disclosed as $114.45 on the initial Loan Estimate; however, because the LE system does not permit the disclosure of cents, the amount was rounded down and disclosed as $114. The borrower paid $114.45 at closing, which does not represent an increase over the amount initially disclosed. Therefore, no violation occurred and no cure is required. - Buyer-04/14/2026 <br>Open-XX- Due Diligence Vendor-04/02/2026 <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-04/02/2026 <br>Open-XX- Due Diligence Vendor-04/02/2026 |  | Resolved-Variance was due to $110 Lender paid credit report. Resolved. - Due Diligence Vendor-04/14/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/14/2026<br>|  |  | The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8446846 | N/A | N/A |
| 297 | XX | XX | XX |  |  | Closed | 2026-04-01 00:50 | 2026-04-01 00:50 |  | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Missing - Due Diligence Vendor-04/01/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Missing - Due Diligence Vendor-04/01/2026<br>|  |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8419267 | Investor Post-Close | No |
| 303 | XX | XX | XX |  |  | Closed | 2026-04-28 10:00 | 2026-05-06 15:46 | 2026-05-06 15:46 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Lender provided documentation hazard insurance effective prior to disbursement. - Due Diligence Vendor-05/06/2026 <br>Resolved-Hazard Insurance Effective Date of 04-XX-2026 is prior to or equal to the Disbursement Date of 04-XX-2026 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/06/2026 <br>Ready for Review-Document Uploaded. hoi - Buyer-05/06/2026 <br>Open-Hazard Insurance Effective Date of 04-XX-2026 is after the Disbursement Date of 04-XX-2026 The hazard Insurance policy is only available for the Current period from 04/25/2026 to 04/25/2027, is after 04/24/26. - Due Diligence Vendor-04/28/2026 |  | Resolved-Lender provided documentation hazard insurance effective prior to disbursement. - Due Diligence Vendor-05/06/2026 <br> Resolved-Hazard Insurance Effective Date of 04-XX-2026 is prior to or equal to the Disbursement Date of 04-XX-2026 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/06/2026 | XX |  |  | UT | Primary Residence | Purchase | NA | 8919624 | N/A | N/A |
| 303 | XX | XX | XX |  |  | Closed | 2026-04-29 14:37 | 2026-05-05 15:06 |  | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception reviewed and approved with a max DTI of 40%. Subject DTI is 37.32%. Finding is waived. - Due Diligence Vendor-05/05/2026 <br>Ready for Review-can you please provide clarification as to what is still needed? - Investor-05/05/2026 <br>Counter-I order for Exception to valid must meet all of the compensating factors- 36.864% listed is the front end, not the back end of 37.32%, Reserves Audit 177557.88 vs minimum $75134.25 6 months of loan amount and additional 3 months for FTHB, vs 152895.52 reserves vs minimum of 8244.81. Condition remains. - Due Diligence Vendor-05/04/2026 <br>Ready for Review-Document Uploaded. sle - Buyer-05/01/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Exception - page 209 - Housing Payment History <br> Requesting exception due to borrower is FTHB and has lived rent free for more than the last 12 <br> months and does not have a payment history as lived rent free for more than that last 2 years - Due Diligence Vendor-04/29/2026 |  | Waived-Exception reviewed and approved with a max DTI of 40%. Subject DTI is 37.32%. Finding is waived. - Due Diligence Vendor-05/05/2026<br>| XX |  | Compensating Factors: 36.864% DTI vs 50% max, $152,895.52 reserves cs $8244.81 minimum, 797 <br> FICO vs 720 min. Exception approved with the following conditions: Min FICO 797, Max DTI 40%, Max LTV 85, Min Reserves $130,000 | UT | Primary Residence | Purchase | NA | 8957934 | Originator Pre-Close | N/A |
| 303 | XX | XX | XX |  |  | Closed | 2026-04-28 11:02 | 2026-04-29 14:26 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Provided valuation reports are with in tolerance. - Due Diligence Vendor-04/29/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Provided valuation reports are with in tolerance. - Due Diligence Vendor-04/29/2026<br>|  |  |  | UT | Primary Residence | Purchase | NA | 8922813 | Investor Post-Close | No |
| 305 | XX | XX | XX |  |  | Closed | 2026-05-13 14:49 | 2026-05-18 09:26 |  | Waived | 2 - Non-Material | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines EXCEPTION REQUESTED:<br>This score band requires an exception for NSF's. Due to the cmplexities of the cash flow of the business there are NSF's which are ALWAYS covered by xx Bank. They do not offer sweep accounts and the borrower is loyal to the bank. This is a cost of doing business and part of the borrower's business management - Due Diligence Vendor-05/13/2026 |  | Waived-Income and Employment Do Not Meet Guidelines EXCEPTION REQUESTED:<br>This score band requires an exception for NSF's. Due to the cmplexities of the cash flow of the business there are NSF's which are ALWAYS covered by XX. They do not offer sweep accounts and the borrower is loyal to the bank. This is a cost of doing business and part of the borrower's business management - Due Diligence Vendor-05/13/2026 |  |  | COMPENSATING FACTORS:<br>Reserves: 113k vs the 73,500.00 required (23 months--cash out proceeds $113k from loan 9726085328, simultaneous closing)--reserve total <br> based off loan 9726085328 due to having higher monthly payment<br> FICO: 701 FICO vs 680 required (for both loans)<br> DTI: 23% DTI vs 50% guideline (for both loans)<br> LTV: 70% LTV vs 75% guideline (for both loans) | CA | Investment | Refinance | Cash Out - Other | 9184122 | Originator Pre-Close | Yes |
| 316 | XX | XX | XX |  |  | Closed | 2026-04-15 13:10 | 2026-05-11 11:41 | 2026-05-11 11:41 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-05/11/2026 <br> Resolved-Resolved - Due Diligence Vendor-05/11/2026 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($3,336.00). The actual total fee amount shows a credit amount of ($2,538.40). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-05/11/2026 <br> Open-XX- Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. Original LE has a loan amount of $716,250 with a lender credit of 0.839% = $6,009.<br> Revised LE dated 3/10/26 shows loan amount of $XX and lender credit of 0.439% = $3,144.<br> Revised LE dated 3/18/26 show loan amount of $XX with a lender credit changed to 0.334% = $3,336.<br> Initial CD shows loan amount of $XX with a credit of 0.334% = $2,538.40. <br>COC attached for 03-20 COC. - Investor-05/08/2026 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($6,009.00). The actual total fee amount shows a credit amount of ($2,538.40). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Valid COC is not available. - Due Diligence Vendor-04/15/2026 <br> Open-XX- Due Diligence Vendor-04/15/2026 |  | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-05/11/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/11/2026<br>| XX |  |  | VA | Primary Residence | Purchase | NA | 8684579 | N/A | N/A |
| 316 | XX | XX | XX |  |  | Closed | 2026-04-15 13:10 | 2026-05-11 11:40 | 2026-05-11 11:40 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-05/11/2026 <br> Resolved-Resolved - Due Diligence Vendor-05/11/2026 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($3,336.00). The Last CD shows a total lender credit amount of ($2,538.40). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-05/11/2026 <br> Open-XX- Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. Original LE has a loan amount of $716,250 with a lender credit of 0.839% = $6,009.<br> Revised LE dated 3/10/26 shows loan amount of $XX and lender credit of 0.439% = $3,144.<br> Revised LE dated 3/18/26 show loan amount of $XX with a lender credit changed to 0.334% = $3,336.<br> Initial CD shows loan amount of $XX with a credit of 0.334% = $2,538.40. <br>COC attached for 03-20 COC. - Investor-05/08/2026 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($6,009.00). The Last CD shows a total lender credit amount of ($2,538.40). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Valid COC is not available. - Due Diligence Vendor-04/15/2026 <br> Open-XX- Due Diligence Vendor-04/15/2026 |  | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-05/11/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/11/2026<br>| XX |  |  | VA | Primary Residence | Purchase | NA | 8684578 | N/A | N/A |
| 316 | XX | XX | XX |  |  | Closed | 2026-04-15 12:35 | 2026-04-23 14:44 | 2026-04-23 14:44 | Resolved | 1 - Information | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) condition resolved. - Due Diligence Vendor-04/23/2026 <br>Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. Please see attached ARM disclosure. - Buyer-04/22/2026 <br>Open-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-04/15/2026 |  | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) condition resolved. - Due Diligence Vendor-04/23/2026 <br>Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-04/23/2026<br>| XX |  |  | VA | Primary Residence | Purchase | NA | 8683484 | N/A | N/A |
| 316 | XX | XX | XX |  |  | Closed | 2026-04-15 12:35 | 2026-04-15 12:35 |  | Acknowledged | 2 - Non-Material | Compliance | Disclosure | TILA: CHARM Booklet is Missing or Incomplete | Acknowledged-TILA: CHARM Booklet is Missing or Incomplete CHARM Booklet is Missing - Due Diligence Vendor-04/15/2026 |  | Acknowledged-TILA: CHARM Booklet is Missing or Incomplete CHARM Booklet is Missing - Due Diligence Vendor-04/15/2026<br>|  |  |  | VA | Primary Residence | Purchase | NA | 8683483 | Investor Post-Close | No |
| 324 | XX | XX | XX |  |  | Closed | 2026-04-06 08:55 | 2026-04-06 08:55 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/06/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/06/2026<br>|  |  |  | WI | Second Home | Refinance | No Cash Out - Borrower Initiated | 8498458 | Investor Post-Close | No |
| 336 | XX | XX | XX |  |  | Closed | 2026-05-13 15:16 | 2026-05-20 15:33 | 2026-05-20 15:33 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Document Uploaded. Credit documents expire within 90 days of note per UW guidelines. Business entity confirmed Active through Virginia Secretary of State as of 5/20/2026. - Due Diligence Vendor-05/20/2026 <br> Resolved-Evidence of Good Standing in file is dated 05-XX-2026 and note is dated 05-XX-2026. Document age of days is within guidelines. - Due Diligence Vendor-05/20/2026 <br> Ready for Review-UW manager response: COGS does not expire, vesting guidelines does not have a expiration date. - Buyer-05/19/2026 <br> Open-Evidence of Good Standing in file is dated 01-XX-2026 and note is dated 05-XX-2026. Document age of days exceeds guidelines. Evidence of Good Standing in file is dated 01-XX-2026 and note is dated 05-XX-2026. Document age of 94 days exceeds guidelines. - Due Diligence Vendor-05/13/2026 |  | Resolved-Document Uploaded. Credit documents expire within 90 days of note per UW guidelines. Business entity confirmed Active through Virginia Secretary of State as of 5/XX/2026. - Due Diligence Vendor-05/20/2026 <br> Resolved-Evidence of Good Standing in file is dated 05-XX-2026 and note is dated 05-XX-2026. Document age of days is within guidelines. - Due Diligence Vendor-05/20/2026 | XX |  |  | VA | Investment | Purchase | NA | 9185109 | N/A | N/A |
| 341 | XX | XX | XX |  |  | Closed | 2026-05-12 13:36 | 2026-05-18 15:30 | 2026-05-18 15:30 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Documentation provided for e-consent dated 04/09/2026. - Due Diligence Vendor-05/18/2026 <br>Ready for Review-Document Uploaded. Please see attached audit trail with e-consent dated 04-XX-26. - Buyer-05/18/2026 <br>Open-XX-Consent documentation is missing for borrower(s). E-Sign Disclosure Tracking Form date is 04/23/2026 & E-Sign Earliest Disclosure sign date is 04/09/2026. - Due Diligence Vendor-05/12/2026 |  | Resolved-Documentation provided for e-consent dated 04/09/2026. - Due Diligence Vendor-05/18/2026<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 9158303 | N/A | N/A |
| 352 | XX | XX | XX |  |  | Closed | 2026-05-15 12:47 | 2026-05-15 12:47 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/15/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/15/2026<br>|  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 9223967 | Investor Post-Close | No |
| 355 | XX | XX | XX |  |  | Closed | 2026-04-06 10:10 | 2026-04-08 12:22 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-XX- Due Diligence Vendor-04/08/2026 <br>Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/06/2026 |  | Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/06/2026<br>|  |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 8500348 | Investor Post-Close | No |
| 358 | XX | XX | XX |  |  | Closed | 2026-05-12 14:15 | 2026-05-22 11:08 | 2026-05-22 11:08 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document received - Due Diligence Vendor-05/22/2026 <br>Ready for Review-Document Uploaded. Please see attached full copy of title commitment to investor - Buyer-05/21/2026 <br>Open-Title Document is missing Title Supplemental report available but schedule A, schedule B Exception, Requirement and tax details are missing. - Due Diligence Vendor-05/12/2026 |  | Resolved-Title Document received - Due Diligence Vendor-05/22/2026<br>| XX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 9159501 | N/A | N/A |
| 361 | XX | XX | XX |  |  | Closed | 2026-05-12 10:36 | 2026-05-15 15:15 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-05/15/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-05/15/2026<br>|  |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 9153286 | Investor Post-Close | No |
| 363 | XX | XX | XX |  |  | Closed | 2026-04-14 12:39 | 2026-04-14 12:39 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/14/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/14/2026<br>|  |  |  | MI | Second Home | Refinance | No Cash Out - Borrower Initiated | 8657623 | Investor Post-Close | No |
| 372 | XX | XX | XX |  |  | Closed | 2026-04-29 10:22 | 2026-05-05 19:22 | 2026-05-05 19:22 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Thank you for providing the New York pamphlet "What Mortgage Applicants Need to Know". Resolved. - Due Diligence Vendor-05/06/2026 <br>Resolved-Disclosure provided. - Due Diligence Vendor-05/06/2026 <br>Ready for Review-The disclosure is located on page 45 of the attached initial disclosures. the combined disclosure acknowledges receipt of the initial disclosures. - Buyer-05/05/2026 <br>Counter-Home Loan Toolkit and acknowledgement of its receipt provided. That disclosure is not what's needed. Missing the New York pamphlet "What Mortgage Applicants Need to Know" , which is a NY State required disclosure. Not resolved. - Due Diligence Vendor-05/05/2026 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-05/04/2026 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. The require document of What Mortgage applicants Need to Know is not found on file. 04/29/2026 - Due Diligence Vendor-04/29/2026 |  | Resolved-Thank you for providing the New York pamphlet "What Mortgage Applicants Need to Know". Resolved. - Due Diligence Vendor-05/06/2026 <br>Resolved-Disclosure provided. - Due Diligence Vendor-05/06/2026<br>| XX |  |  | NY | Investment | Purchase | NA | 8949419 | N/A | N/A |
| 372 | XX | XX | XX |  |  | Closed | 2026-05-01 09:39 | 2026-05-01 09:39 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/01/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/01/2026<br>|  |  |  | NY | Investment | Purchase | NA | 8998685 | Investor Post-Close | No |
| 376 | XX | XX | XX |  |  | Closed | 2026-05-13 15:12 | 2026-05-13 15:12 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/13/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/13/2026<br>|  |  |  | GA | Primary Residence | Purchase | NA | 9184708 | Investor Post-Close | No |
| 386 | XX | XX | XX |  |  | Closed | 2026-05-13 10:59 | 2026-05-20 14:51 | 2026-05-20 14:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-05/20/2026 <br>Ready for Review-Document Uploaded. cogs - Buyer-05/20/2026 <br>Open-Missing Evidence of Good Standing. - Due Diligence Vendor-05/13/2026 |  | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-05/20/2026<br>| XX |  |  | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 9177264 | N/A | N/A |
| 389 | XX | XX | XX |  |  | Closed | 2026-03-20 04:47 | 2026-04-08 13:00 | 2026-04-08 13:00 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Previous policy provided. Resolved. - Due Diligence Vendor-04/08/2026 <br> Resolved-Hazard Insurance Effective Date of 03-XX-2025 is prior to or equal to the Disbursement Date of 03-XX-2026 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. HOI past and current policy - Buyer-04/08/2026 <br> Open-Hazard Insurance Effective Date of 03-XX-2026 is after the Disbursement Date of 03-XX-2026 - Due Diligence Vendor-03/20/2026 |  | Resolved-Previous policy provided. Resolved. - Due Diligence Vendor-04/08/2026 <br> Resolved-Hazard Insurance Effective Date of 03-XX-2025 is prior to or equal to the Disbursement Date of 03-XX-2026 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/08/2026 | XX |  |  | FL | Investment | Refinance | Cash Out - Other | 8230791 | N/A | N/A |
| 392 | XX | XX | XX |  |  | Closed | 2026-04-30 14:53 | 2026-05-05 18:01 | 2026-05-05 18:01 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Rate lock date updated. Resolved. - Due Diligence Vendor-05/05/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/05/2026 <br>Ready for Review-Document Uploaded. coc - Buyer-05/05/2026 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($690.00). The Last CD shows a total lender credit amount of ($493.92). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Valid Changed of Circumstances is not provided. For lender credit decrease. - Due Diligence Vendor-04/30/2026 <br>Open-XX- Due Diligence Vendor-04/30/2026 <br>Open-XX- Due Diligence Vendor-04/30/2026 <br>Open-XX- Due Diligence Vendor-04/30/2026 |  | Resolved-Rate lock date updated. Resolved. - Due Diligence Vendor-05/05/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/05/2026<br>| XX |  |  | FL | Primary Residence | Purchase | NA | 8979246 | N/A | N/A |
| 392 | XX | XX | XX |  |  | Closed | 2026-04-30 14:53 | 2026-05-05 18:01 | 2026-05-05 18:01 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Rate lock date updated. Resolved. - Due Diligence Vendor-05/05/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/05/2026 <br>Ready for Review-Document Uploaded. coc - Seller-05/05/2026 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($690.00). The actual total fee amount shows a credit amount of ($493.92). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Valid Changed of Circumstances is not provided. For lender credit decrease. - Due Diligence Vendor-04/30/2026 <br>Open-XX- Due Diligence Vendor-04/30/2026 <br>Open-XX- Due Diligence Vendor-04/30/2026 <br>Open-XX- Due Diligence Vendor-04/30/2026 | Ready for Review-Document Uploaded. coc - Seller-05/05/2026<br>| Resolved-Rate lock date updated. Resolved. - Due Diligence Vendor-05/05/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/05/2026<br>| XX |  |  | FL | Primary Residence | Purchase | NA | 8979248 | N/A | N/A |
| 392 | XX | XX | XX |  |  | Closed | 2026-04-30 14:28 | 2026-04-30 14:28 |  | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure Missing - Due Diligence Vendor-04/30/2026 |  | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure Missing - Due Diligence Vendor-04/30/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 8978579 | Investor Post-Close | No |
| 393 | XX | XX | XX |  |  | Closed | 2026-04-06 12:15 | 2026-04-06 12:15 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/06/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/06/2026<br>|  |  |  | NM | Second Home | Refinance | Cash Out - Other | 8505298 | Investor Post-Close | No |
| 397 | XX | XX | XX |  |  | Closed | 2026-05-14 03:03 | 2026-05-15 14:18 |  | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/14/2026 |  | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/14/2026<br>|  |  |  | FL | Second Home | Purchase | NA | 9192342 | Investor Post-Close | No |
| 397 | XX | XX | XX |  |  | Closed | 2026-05-15 14:18 | 2026-05-15 14:18 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/15/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/15/2026<br>|  |  |  | FL | Second Home | Purchase | NA | 9226074 | Investor Post-Close | No |
| 401 | XX | XX | XX |  |  | Closed | 2026-04-06 11:23 | 2026-04-22 13:26 | 2026-04-22 13:26 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Thank you for providing the disclosure dated 02/04/26. Resolved. - Due Diligence Vendor-04/22/2026 <br> Resolved-Resolved - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. initial docs 020426 - Buyer-04/22/2026 <br> Open-XX- Due Diligence Vendor-04/10/2026 <br> Open-XX- Due Diligence Vendor-04/10/2026 <br> Open-XX- Due Diligence Vendor-04/10/2026 <br> Open-The Homeownership Counseling Organization Disclosure Sent Date (2026-XX-05) is more than 3 business days from the Application Date (2026-XX-04). Three business days from the Application Date is (2026-XX-09). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Date taken from Homeownership Counseling Organization Disclosure - Due Diligence Vendor-04/06/2026 <br> Open-XX- Due Diligence Vendor-04/10/2026 <br> Open-XX- Due Diligence Vendor-04/06/2026 <br> Open-XX- Due Diligence Vendor-04/06/2026 <br> Open-XX- Due Diligence Vendor-04/06/2026 |  | Resolved-Thank you for providing the disclosure dated 02/04/26. Resolved. - Due Diligence Vendor-04/22/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/22/2026<br>| XX |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 8503640 | N/A | N/A |
| 401 | XX | XX | XX |  |  | Closed | 2026-04-14 12:48 | 2026-04-14 12:48 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/14/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/14/2026<br>|  |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 8658005 | Investor Post-Close | No |
| 408 | XX | XX | XX |  |  | Closed | 2026-05-12 07:39 | 2026-05-18 15:44 | 2026-05-18 15:44 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Lender provided documentation of the hazard insurance shortfall. - Due Diligence Vendor-05/18/2026 <br> Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. Please see attached insurance policy which shows the coverage is replacement cost coverage, which is allowed by FNMA guidelines. - Buyer-05/18/2026 <br> Open-Hazard Insurance Coverage Amount of $XX is less than Total Amount of Subject Lien(s) of $XX - Due Diligence Vendor-05/12/2026 |  | Resolved-Lender provided documentation of the hazard insurance shortfall. - Due Diligence Vendor-05/18/2026 <br> Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-05/18/2026 | XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 9148931 | N/A | N/A |
| 409 | XX | XX | XX |  |  | Closed | 2026-05-12 13:23 | 2026-05-13 18:36 |  | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XX is less than the Guideline Minimum Loan Amount of $100000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/12/2026 |  | Waived-Audited Loan Amount of $XX is less than the Guideline Minimum Loan Amount of $100000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/12/2026 |  |  | FICO 788 vs 720 required. Reserves of $60,000 vs $5,000 required | KS | Investment | Purchase | NA | 9157870 | Originator Pre-Close | Yes |
| 416 | XX | XX | XX |  |  | Closed | 2026-05-01 09:02 | 2026-05-07 14:29 | 2026-05-07 14:26 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Evidence of Good Standing in file is dated 05-XX-2026 and note is dated 04-XX-2026. Document age of days is within guidelines. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. cogs - Buyer-05/07/2026 <br> Open-Evidence of Good Standing in file is dated 01-XX-2024 and note is dated 04-XX-2026. Document age of days exceeds guidelines. Evidence of Good Standing in file is dated 01-XX-2024 and note is dated 04-XX-2026. Document age of days exceeds guidelines. - Due Diligence Vendor-05/01/2026 |  | Resolved-Evidence of Good Standing in file is dated 05-XX-2026 and note is dated 04-XX-2026. Document age of days is within guidelines. - Due Diligence Vendor-05/07/2026 | XX |  |  | PA | Investment | Purchase | NA | 8997674 | N/A | N/A |
| 420 | XX | XX | XX |  |  | Closed | 2026-05-05 10:35 | 2026-05-11 10:03 |  | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-A lender exception is present in the loan file, dated prior to consummation (downgraded to non-material) - Due Diligence Vendor-05/11/2026 <br>Ready for Review-Document Uploaded. Please see attached SLE. - Buyer-05/08/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Exception page - 462 - FTHB living rent free > 12 months - Due Diligence Vendor-05/05/2026 |  | Waived-A lender exception is present in the loan file, dated prior to consummation (downgraded to non-material) - Due Diligence Vendor-05/11/2026<br>| XX |  | Compensating Factors: • FICO of 808 VS Min FICO of 640 • (Post-Closing) Reserves of $27,000 (10 Months) VS $8100 (3 Months) required • 5 years of (self) employment VS 2 Years required 73% LTV, all borrower's own funds. | FL | Primary Residence | Purchase | NA | 9045424 | Originator Pre-Close | Yes |
| 424 | XX | XX | XX |  |  | Closed | 2026-05-14 09:36 | 2026-05-18 14:42 |  | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (2026-XX-08) is more than 3 business days from the Application Date (2026-XX-27). Updated as per documents in loan file. - Due Diligence Vendor-05/14/2026 <br>Open-XX- Due Diligence Vendor-05/14/2026 <br>Open-XX- Due Diligence Vendor-05/14/2026 |  | Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (2026-04-08) is more than 3 business days from the Application Date (2026-01-XX). Updated as per documents in loan file. - Due Diligence Vendor-05/14/2026 |  |  |  | CA | Primary Residence | Purchase | NA | 9199459 | Investor Post-Close | No |
| 424 | XX | XX | XX |  |  | Closed | 2026-05-14 07:06 | 2026-05-14 07:06 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/14/2026<br>|  |  |  | CA | Primary Residence | Purchase | NA | 9196434 | Investor Post-Close | No |
| 448 | XX | XX | XX |  |  | Closed | 2026-05-04 09:13 | 2026-06-10 12:48 | 2026-06-10 12:48 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Notes document has been Provided. Finding Resolved - Due Diligence Vendor-06/10/2026 <br> Resolved-received - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. other loan docs - Buyer-05/06/2026 <br> Open-1003 application discloses 3 additional REO properties, identified as XX, that were financed by new mortgages with the lender. Copies of the Notes, Final Closing Disclosures, or Mortgage Payment Histories for these additional Real Estate Owned are missing. <br>- Due Diligence Vendor-05/04/2026 |  | Resolved-Notes document has been Provided. Finding Resolved - Due Diligence Vendor-06/10/2026 <br>Resolved-received - Due Diligence Vendor-05/07/2026<br>| XX |  |  | CO | Investment | Purchase | NA | 9022271 | N/A | N/A |
| 451 | XX | XX | XX |  |  | Closed | 2026-05-12 07:07 | 2026-05-21 15:35 | 2026-05-21 15:35 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Docs received - Due Diligence Vendor-05/21/2026 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures signed by the borrower; Privacy Notice is located on page 36-38. - Buyer-05/20/2026 <br>Open-Privacy Notice Required - Missing or Incomplete. Privacy Notice is missing - Due Diligence Vendor-05/12/2026 |  | Resolved-Docs received - Due Diligence Vendor-05/21/2026<br>| XX |  |  | HI | Primary Residence | Refinance | Cash Out - Other | 9148517 | N/A | N/A |
| 453 | XX | XX | XX |  |  | Closed | 2026-05-13 08:57 | 2026-05-13 08:57 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/13/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/13/2026<br>|  |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9172887 | Investor Post-Close | No |
| 457 | XX | XX | XX |  |  | Closed | 2026-05-12 10:09 | 2026-05-21 09:53 | 2026-05-21 09:53 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-05/21/2026 <br>Resolved-Documents received - Due Diligence Vendor-05/21/2026 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-05/20/2026 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. - Due Diligence Vendor-05/12/2026 |  | Resolved-Disclosure provided. - Due Diligence Vendor-05/21/2026 <br>Resolved-Documents received - Due Diligence Vendor-05/21/2026<br>| XX |  |  | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9151900 | N/A | N/A |
| 464 | XX | XX | XX |  |  | Closed | 2026-06-11 11:16 | 2026-06-17 10:30 |  | Waived | 2 - Non-Material | Credit | Missing Doc | Missing Property Value Doc Source | Waived-Wavier Applied; Lender provided detailed report to explain the reasoning behind using more recent appraisal with a value of $790,000, which was supported by a Desk Review with zero variance and low risk. Appraisal values were within 10% of each other. The decision to reply on the replacement appraisal is supported by CRT review and acceptance, as well as an independent valuation conclusion. - Due Diligence Vendor-06/11/2026 <br> Open-Document Uploaded. The Collateral Review Team couldn't sufficiently get the first appraiser to address defects on the appraisal so a new full appraisal was ordered (with approval by CRT) and was found to be more valid than the first. Three unit, new construction. The deficiencies in the original appraisal could not be sufficiently resolved through revision. A full replacement appraisal was ordered based on unresolved concerns, including inconsistency with internal records, insufficient reconciliation of market data and limitations in comparable support for a 3-unit property. The Final Appraisal was reviewed by the CRT and accepted determining that the comparable selection, adjustment methodology and income assumptions were adequately supported. - Due Diligence Vendor-06/11/2026 <br> Open-Missing Property Value Doc Source. File contains 2 appraisal $XX dated 02/XX/2026 and $XX dated 04/08/2026; both with Desk Reviews that support with 0% variance and low risk. Lender used the higher value for LTV. Please provide reasoning in using the higher value. - Due Diligence Vendor-06/11/2026 | The subject property is a 3 unit PUD, new construction. When the first appraisal was completed on 02/XX/2026 there were no closed sales in subjects development, only a pending sale and the closest closed comp was 11.5 miles away and vacant. A new appraisal was completed on 4/XX/2026 after the first unit closed. This appraisal includes 1 closed comp from inside the development, the exact unit with the same sales price, a closer closed sale comp was provided, 4.5 milers away and 3 units rented. Additionally, 2 pending sales were also provided. A CDA supporting the value with a Low Risk score was provided to support the 2nd appraisals value. The difference between the 2 appraised values is only -3.16% - 06/17/2026 <br>| Waived-Wavier Applied; Lender provided detailed report to explain the reasoning behind using more recent appraisal with a value of XX which was supported by a Desk Review with zero variance and low risk. Appraisal values were within 10% of each other. The decision to reply on the replacement appraisal is supported by CRT review and acceptance, as well as an independent valuation conclusion. - Due Diligence Vendor-06/11/2026 | XX |  | 3-Unit, New Construction; Desk Review supports value with 0% variance | TX | Investment | Purchase | NA | 9694625 | Originator Pre-Close | Yes |
| 464 | XX | XX | XX |  |  | Closed | 2026-05-01 10:45 | 2026-05-11 08:08 | 2026-05-11 08:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/11/2026 <br>Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-05/08/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-05/01/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/11/2026<br>| XX |  |  | TX | Investment | Purchase | NA | 9001048 | N/A | N/A |
| 476 | XX | XX | XX |  |  | Closed | 2026-05-12 10:09 | 2026-05-12 11:17 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026<br>|  |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9151889 | Investor Post-Close | No |
| 479 | XX | XX | XX |  |  | Closed | 2026-04-30 16:35 | 2026-05-05 20:03 | 2026-05-05 20:03 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Thank you for providing the Post Closing CD. Resolved. - Due Diligence Vendor-05/06/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/06/2026 <br>Ready for Review-Document Uploaded. pccd - Buyer-05/05/2026 <br>Open-The loan disbursement date (2026-XX-20) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2026-XX-20). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The loan disbursement date (2026-XX-20) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2026-XX-20). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. Provide verification of the actual disbursement date or Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. Additional conditions may apply. - Due Diligence Vendor-04/30/2026 <br>Open-XX- Due Diligence Vendor-04/30/2026 |  | Resolved-Thank you for providing the Post Closing CD. Resolved. - Due Diligence Vendor-05/06/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/06/2026<br>| XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8981837 | N/A | N/A |
| 496 | XX | XX | XX |  |  | Closed | 2026-05-04 13:34 | 2026-05-15 16:29 | 2026-05-15 16:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Resolved - Due Diligence Vendor-05/15/2026 <br>Ready for Review-XX- Due Diligence Vendor-05/15/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/15/2026 <br>Open-XX- Due Diligence Vendor-05/15/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.40) were applied to the total fee variance of ($173.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/15/2026 <br>Open-XX- Due Diligence Vendor-05/15/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($50.00) were applied to the total fee variance of ($293.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. . - Due Diligence Vendor-05/15/2026 <br>Open-XX- Due Diligence Vendor-05/15/2026 <br>Ready for Review-Document Uploaded. Please see attached fee tolerance comparison and advise what fees you are missing a COC for. - Buyer-05/14/2026 <br>Open-XX- Due Diligence Vendor-05/06/2026 <br>Open-XX- Due Diligence Vendor-05/06/2026 <br>Open-XX- Due Diligence Vendor-05/06/2026 <br>Open-XX- Due Diligence Vendor-05/06/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.40) were applied to the total fee variance of ($173.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/04/2026 <br>Open-XX- Due Diligence Vendor-05/04/2026 |  | Resolved-Resolved - Due Diligence Vendor-05/15/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/15/2026<br>| XX |  |  | CA | Investment | Refinance | Cash Out - Other | 9028893 | N/A | N/A |
| 496 | XX | XX | XX |  |  | Closed | 2026-05-04 13:34 | 2026-05-15 16:29 | 2026-05-15 16:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Resolved - Due Diligence Vendor-05/15/2026 <br>Ready for Review-XX- Due Diligence Vendor-05/15/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/15/2026 <br>Open-XX- Due Diligence Vendor-05/15/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.40) were applied to the total fee variance of ($173.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/15/2026 <br>Open-XX- Due Diligence Vendor-05/15/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($50.00) were applied to the total fee variance of ($293.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. . - Due Diligence Vendor-05/15/2026 <br>Open-XX- Due Diligence Vendor-05/15/2026 <br>Ready for Review-Document Uploaded. Please see attached fee tolerance comparison and advise what fees you are missing a COC for. - Investor-05/14/2026 <br>Open-XX- Due Diligence Vendor-05/06/2026 <br>Open-XX- Due Diligence Vendor-05/06/2026 <br>Open-XX- Due Diligence Vendor-05/06/2026 <br>Open-XX- Due Diligence Vendor-05/06/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.40) were applied to the total fee variance of ($173.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/04/2026 <br>Open-XX- Due Diligence Vendor-05/04/2026 |  | Resolved-Resolved - Due Diligence Vendor-05/15/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/15/2026<br>| XX |  |  | CA | Investment | Refinance | Cash Out - Other | 9028894 | N/A | N/A |
| 496 | XX | XX | XX |  |  | Closed | 2026-05-04 10:47 | 2026-05-05 20:23 | 2026-05-05 20:23 | Resolved | 1 - Information | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Thank you for providing a copy of the Tax Bill. Resolved. - Due Diligence Vendor-05/06/2026 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/06/2026 <br>Ready for Review-Document Uploaded. Please see attached copy of tax bill. - Seller-05/05/2026 <br>Open-Missing Evidence of Property Tax updated tax cert is missing how ever consider the tax amount from lender worksheet page#835 - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. Please see attached copy of tax bill. - Seller-05/05/2026<br>| Resolved-Thank you for providing a copy of the Tax Bill. Resolved. - Due Diligence Vendor-05/06/2026 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/06/2026<br>| XX |  |  | CA | Investment | Refinance | Cash Out - Other | 9024474 | N/A | N/A |
| 496 | XX | XX | XX |  |  | Closed | 2026-05-04 14:19 | 2026-05-04 14:19 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/04/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/04/2026<br>|  |  |  | CA | Investment | Refinance | Cash Out - Other | 9029727 | Investor Post-Close | No |
| 497 | XX | XX | XX |  |  | Closed | 2026-03-25 22:08 | 2026-04-08 11:49 | 2026-04-08 11:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Rent Loss Coverage | Resolved-HO6 with Rent Loss Coverage provided. Resolved. - Due Diligence Vendor-04/08/2026 <br>Resolved-Rent Loss Coverage provided - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Document Uploaded. Please see attached policy. - Buyer-04/07/2026 <br>Open-Hazard Insurance Policy does not reflect rent loss coverage. - Due Diligence Vendor-03/26/2026 |  | Resolved-HO6 with Rent Loss Coverage provided. Resolved. - Due Diligence Vendor-04/08/2026 <br>Resolved-Rent Loss Coverage provided - Due Diligence Vendor-04/08/2026<br>| XX |  |  | OR | Investment | Refinance | Cash Out - Other | 8326107 | N/A | N/A |
| 500 | XX | XX | XX |  |  | Closed | 2026-05-01 08:07 | 2026-06-10 12:52 | 2026-06-10 12:52 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Notes document has been Provided. Finding Resolved - Due Diligence Vendor-06/10/2026 <br> Resolved-received - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. docs for other properties - Buyer-05/06/2026 <br> Open-1003 application discloses 3 additional REO properties, identified as XX, that were financed by new mortgages with the lender. Copies of the Notes, Final Closing Disclosures, or Mortgage Payment Histories for these additional Real Estate Owned are missing. <br> - Due Diligence Vendor-05/01/2026 |  | Resolved-Notes document has been Provided. Finding Resolved - Due Diligence Vendor-06/10/2026 <br>Resolved-received - Due Diligence Vendor-05/07/2026<br>| XX |  |  | CO | Investment | Purchase | NA | 8996427 | N/A | N/A |
| 502 | XX | XX | XX |  |  | Closed | 2026-05-14 06:33 | 2026-05-14 06:33 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/14/2026<br>|  |  |  | NY | Second Home | Purchase | NA | 9195625 | Investor Post-Close | No |
| 503 | XX | XX | XX |  |  | Closed | 2026-05-04 13:06 | 2026-06-10 12:54 | 2026-06-10 12:54 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Notes document has been Provided. Finding Resolved - Due Diligence Vendor-06/10/2026 <br> Resolved-received - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. other property notes and cds - Buyer-05/06/2026 <br> Open-1003 application discloses 3 additional REO properties, identified as XXX, that were financed by new mortgages with the lender. Copies of the Notes, Final Closing Disclosures, or Mortgage Payment Histories for these additional Real Estate Owned are missing. <br> - Due Diligence Vendor-05/04/2026 |  | Resolved-Notes document has been Provided. Finding Resolved - Due Diligence Vendor-06/10/2026 <br>Resolved-received - Due Diligence Vendor-05/07/2026<br>| XX |  |  | CO | Investment | Purchase | NA | 9028407 | N/A | N/A |
| 505 | XX | XX | XX |  |  | Closed | 2026-04-01 10:20 | 2026-04-06 12:18 |  | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (2026-XX-29) is more than 3 business days from the Application Date (2026-XX-XX). Three business days from the Application Date is (2026-XX-XX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Application date is 1/21/2026 and HOMEOWNERSHIP COUNSELING DISCLOSURE 2/5/2026 - Due Diligence Vendor-04/01/2026 <br> Open-XX- Due Diligence Vendor-04/01/2026 <br> Open-XX- Due Diligence Vendor-04/01/2026 |  | Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (2026-01-29) is more than 3 business days from the Application Date (2026-01-XX). Three business days from the Application Date is (2026-01-XX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Application date is 1/21/2026 and HOMEOWNERSHIP COUNSELING DISCLOSURE 2/5/2026 - Due Diligence Vendor-04/01/2026 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 8429678 | Investor Post-Close | No |
| 508 | XX | XX | XX |  |  | Closed | 2026-04-28 07:33 | 2026-05-05 13:41 | 2026-05-05 13:41 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Thank you for providing the initial CD. Resolved. - Due Diligence Vendor-05/05/2026 <br> Resolved-Resolved - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. 5/4/26 Please see uploaded ICD dated 04.XX.26 - Buyer-05/04/2026 <br> Open-The Initial Closing Disclosure Received Date of (2026-XX-XX) is not three business days before the consummation date of (2026-XX-XX). Three business days before the consummation date is (XX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial Closing Disclosure is missing - Due Diligence Vendor-04/28/2026 <br> Open-XX- Due Diligence Vendor-04/28/2026 |  | Resolved-Thank you for providing the initial CD. Resolved. - Due Diligence Vendor-05/05/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/05/2026<br>| XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 8916332 | N/A | N/A |
| 508 | XX | XX | XX |  |  | Closed | 2026-04-29 11:45 | 2026-05-05 13:40 | 2026-05-05 13:40 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Thank you for providing the initial CD. Resolved. - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. 5/XX/26 Please see uploaded ICD dated 04.XX.26 - Buyer-05/04/2026 <br> Open-Initial CD missing file. - Due Diligence Vendor-04/29/2026 |  | Resolved-Thank you for providing the initial CD. Resolved. - Due Diligence Vendor-05/05/2026<br>| XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 8952698 | N/A | N/A |
| 510 | XX | XX | XX |  |  | Closed | 2026-04-16 16:10 | 2026-05-11 08:11 | 2026-05-11 08:11 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/11/2026 <br>Ready for Review-Document Uploaded. Please see attached business purpose certificate. - Investor-05/08/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/16/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/11/2026<br>| XX |  |  | OR | Investment | Refinance | Cash Out - Home Improvement/Reno | 8717162 | N/A | N/A |
| 510 | XX | XX | XX |  |  | Closed | 2026-04-15 08:09 | 2026-04-27 08:07 | 2026-04-27 08:07 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/27/2026 <br>Resolved-XX- Due Diligence Vendor-04/22/2026 <br>Ready for Review-Document Uploaded. cbr - Investor-04/22/2026 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-04/15/2026 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/27/2026<br>| XX |  |  | OR | Investment | Refinance | Cash Out - Home Improvement/Reno | 8674909 | N/A | N/A |
| 510 | XX | XX | XX |  |  | Closed | 2026-04-16 16:21 | 2026-04-27 08:07 | 2026-04-27 08:07 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/27/2026 <br> Resolved-Verified on credit report - Due Diligence Vendor-04/27/2026 <br> Ready for Review-this mortgage is showing on the credit report with full mortgage payment history - Buyer-04/24/2026 <br> Open-Housing History Does Not Meet Guideline Requirements The file is missing a satisfactory 12-month housing history for the borrowers' primary residence on XX. - Due Diligence Vendor-04/16/2026 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/27/2026 <br>Resolved-Verified on credit report - Due Diligence Vendor-04/27/2026<br>|  |  |  | OR | Investment | Refinance | Cash Out - Home Improvement/Reno | 8717298 | N/A | N/A |
| 511 | XX | XX | XX |  |  | Closed | 2026-03-23 06:46 | 2026-04-08 12:36 | 2026-04-08 12:36 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-4506 Received. - Due Diligence Vendor-04/08/2026 <br>Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Document Uploaded. Please see attached 4506C - Buyer-04/08/2026 <br>Counter-Confirmed. Please provide executed 4506C - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Please confirm that we need to provide 4506-C (not 4506-T) to clear this condition. Thanks. - Buyer-04/06/2026 <br>Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-03/23/2026 |  | Resolved-4506 Received. - Due Diligence Vendor-04/08/2026 <br>Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-04/08/2026<br>| XX |  |  | PA | Primary Residence | Refinance | Cash Out - Other | 8261021 | N/A | N/A |
| 514 | XX | XX | XX |  |  | Closed | 2026-04-30 10:45 | 2026-05-05 19:03 | 2026-05-05 19:03 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender paid fees updated. Resolved. <br> - Due Diligence Vendor-05/06/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/06/2026 <br>Open-XX- Due Diligence Vendor-05/05/2026 <br>Ready for Review-Document Uploaded. Per the attached final CD, the state tax/stamps in amount of $3454 were paid by the lender at closing. - Investor-05/05/2026 <br>Open-XX- Due Diligence Vendor-05/01/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($3,064.24) were applied to the total fee variance of ($3,454.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/01/2026 <br>Open-Lender Credit was decreased however don't have COC. - Due Diligence Vendor-04/30/2026 <br>Open-XX- Due Diligence Vendor-05/01/2026 <br>Open-XX- Due Diligence Vendor-04/30/2026 <br>Open-XX- Due Diligence Vendor-04/30/2026 |  | Resolved-Lender paid fees updated. Resolved. <br> - Due Diligence Vendor-05/06/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/06/2026<br>| XX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8972707 | N/A | N/A |
| 514 | XX | XX | XX |  |  | Closed | 2026-04-30 10:45 | 2026-05-05 19:03 | 2026-05-05 19:03 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-9766556345<br> - Due Diligence Vendor-05/06/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/06/2026 <br>Open-XX- Due Diligence Vendor-05/05/2026 <br>Ready for Review-Document Uploaded. Per the attached final CD, the state tax/stamps in amount of $3454 were paid by the lender at closing. - Buyer-05/05/2026 <br>Open-XX- Due Diligence Vendor-05/01/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($3,064.24) were applied to the total fee variance of ($3,454.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/01/2026 <br>Open-Lender Credit was decreased however don't have COC. - Due Diligence Vendor-04/30/2026 <br>Open-XX- Due Diligence Vendor-05/01/2026 <br>Open-XX- Due Diligence Vendor-04/30/2026 <br>Open-XX- Due Diligence Vendor-04/30/2026 |  | Resolved-9766556345<br> - Due Diligence Vendor-05/06/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/06/2026<br>| XX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8972706 | N/A | N/A |
| 516 | XX | XX | XX |  |  | Closed | 2026-04-02 14:40 | 2026-04-28 12:29 | 2026-04-28 12:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XX) | Resolved-COC for appraisal received. Points increase is due to rate lock. Resolved. - Due Diligence Vendor-04/28/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. coc - Buyer-04/28/2026 <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). COC is missing for increase in Points - Loan Discount Fee and Appraisal Fee. - Due Diligence Vendor-04/02/2026 <br>Open-XX- Due Diligence Vendor-04/08/2026 <br>Open-XX- Due Diligence Vendor-04/02/2026 |  | Resolved-COC for appraisal received. Points increase is due to rate lock. Resolved. - Due Diligence Vendor-04/28/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/28/2026<br>| XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 8461228 | N/A | N/A |
| 516 | XX | XX | XX |  |  | Closed | 2026-04-02 14:40 | 2026-04-28 12:29 | 2026-04-28 12:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XX) | Resolved-COC for appraisal received. Points increase is due to rate lock. Resolved. - Due Diligence Vendor-04/28/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. coc - Buyer-04/28/2026 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). COC is missing for increase in Points - Loan Discount Fee and Appraisal Fee. - Due Diligence Vendor-04/02/2026 <br>Open-XX- Due Diligence Vendor-04/08/2026 <br>Open-XX- Due Diligence Vendor-04/02/2026 |  | Resolved-COC for appraisal received. Points increase is due to rate lock. Resolved. - Due Diligence Vendor-04/28/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/28/2026<br>| XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 8461229 | N/A | N/A |
| 516 | XX | XX | XX |  |  | Closed | 2026-04-02 15:22 | 2026-04-02 15:22 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/02/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/02/2026<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 8462017 | Investor Post-Close | No |
| 517 | XX | XX | XX |  |  | Closed | 2026-03-26 09:56 | 2026-04-03 13:32 | 2026-04-03 13:32 | Resolved | 1 - Information | Credit | Missing Doc | Missing Rent Loss Coverage | Resolved-Rent Loss Coverage provided - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Document Uploaded. rent loss - Buyer-04/02/2026 <br>Open-Hazard Insurance Policy does not reflect rent loss coverage. - Due Diligence Vendor-03/26/2026 |  | Resolved-Rent Loss Coverage provided - Due Diligence Vendor-04/03/2026<br>| XX |  |  | MI | Investment | Refinance | Cash Out - Other | 8335554 | N/A | N/A |
| 517 | XX | XX | XX |  |  | Closed | 2026-03-20 07:13 | 2026-03-20 09:21 |  | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-03/20/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-03/20/2026<br>|  |  | COA Non-Compliant: Appraisal Disclosure Not Provided Timely. | MI | Investment | Refinance | Cash Out - Other | 8233501 | Investor Post-Close | No |
| 523 | XX | XX | XX |  |  | Closed | 2026-03-23 08:04 | 2026-04-09 12:46 | 2026-04-09 12:46 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Received COC signed and dated by the borrower. Resolved. Thank you. - Due Diligence Vendor-04/09/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/09/2026 <br>Ready for Review-Document Uploaded. coc - Buyer-04/09/2026 <br>Counter-Updated, Amount Decreased- Audit added the COC for the Rate Lock but was unable to locate a valid COC for Appraisal $800 to $2065, Appraisal Reinspection $200 to $240, - Due Diligence Vendor-04/08/2026 <br>Open-A Lender Credit for Excess Charges of ($77.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($1,305.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-04/08/2026 <br>Open-XX- Due Diligence Vendor-04/08/2026 <br>Ready for Review-please advise what fee you are questioning. - Investor-04/07/2026 <br>Open-A Lender Credit for Excess Charges of ($77.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($3,805.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Fee increased. However, valid COC not available. - Due Diligence Vendor-03/23/2026 <br>Open-XX- Due Diligence Vendor-03/23/2026 <br>Open-XX- Due Diligence Vendor-03/23/2026 |  | Resolved-Received COC signed and dated by the borrower. Resolved. Thank you. - Due Diligence Vendor-04/09/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/09/2026<br>| XX |  |  | OR | Primary Residence | Refinance | Cash Out - Other | 8262710 | N/A | N/A |
| 523 | XX | XX | XX |  |  | Closed | 2026-03-23 08:04 | 2026-04-09 12:46 | 2026-04-09 12:46 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Received COC signed and dated by the borrower. Resolved. Thank you. - Due Diligence Vendor-04/09/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/09/2026 <br>Ready for Review-Document Uploaded. coc - Investor-04/09/2026 <br>Counter-XX- Due Diligence Vendor-04/08/2026 <br>Open-Updated, Amount Decreased- Audit added the COC for the Rate Lock but was unable to locate a valid COC for Appraisal $800 to $2065, Appraisal Reinspection $200 to $240, - Due Diligence Vendor-04/08/2026 <br>Open-A Lender Credit for Excess Charges of ($77.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($1,305.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-04/08/2026 <br>Open-XX- Due Diligence Vendor-04/08/2026 <br>Ready for Review-please advise what fee you are questioning. - Buyer-04/07/2026 <br>Open-A Lender Credit for Excess Charges of ($77.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($3,805.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Fee increased. However, valid COC not available. - Due Diligence Vendor-03/23/2026 <br>Open-XX- Due Diligence Vendor-03/23/2026 <br>Open-XX- Due Diligence Vendor-03/23/2026 |  | Resolved-Received COC signed and dated by the borrower. Resolved. Thank you. - Due Diligence Vendor-04/09/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/09/2026<br>| XX |  |  | OR | Primary Residence | Refinance | Cash Out - Other | 8262707 | N/A | N/A |
| 523 | XX | XX | XX |  |  | Closed | 2026-03-23 09:18 | 2026-03-23 09:18 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/23/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/23/2026<br>|  |  |  | OR | Primary Residence | Refinance | Cash Out - Other | 8263949 | Investor Post-Close | No |
| 525 | XX | XX | XX |  |  | Closed | 2026-04-29 14:02 | 2026-05-05 13:50 | 2026-05-05 13:50 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Thank you for providing all pages of the Note. Resolved. - Due Diligence Vendor-05/05/2026 <br>Resolved-The Note is Present - Due Diligence Vendor-05/05/2026 <br>Ready for Review-Document Uploaded. 5/4/26 Please see attached a complete Note - Buyer-05/04/2026 <br>Open-The Note is Incomplete Page #4 (4/4) is missing for note document. - Due Diligence Vendor-04/29/2026 |  | Resolved-Thank you for providing all pages of the Note. Resolved. - Due Diligence Vendor-05/05/2026 <br>Resolved-The Note is Present - Due Diligence Vendor-05/05/2026<br>| XX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8956689 | N/A | N/A |
| 525 | XX | XX | XX |  |  | Closed | 2026-04-29 14:07 | 2026-05-05 13:49 | 2026-05-05 13:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Other Rider | Resolved-Thank you for providing the Mortgage Rider. Resolved. - Due Diligence Vendor-05/05/2026 <br>Ready for Review-Document Uploaded. 5/4/26 Please see uploaded Mortgage with Riders - Buyer-05/04/2026 <br>Open-Missing Mortgage Rider - Other Rider Missing Renewal & Extension Rider - Due Diligence Vendor-04/29/2026 |  | Resolved-Thank you for providing the Mortgage Rider. Resolved. - Due Diligence Vendor-05/05/2026<br>| XX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8956779 | N/A | N/A |
| 530 | XX | XX | XX |  |  | Closed | 2026-05-12 11:57 | 2026-05-15 09:56 |  | Waived | 2 - Non-Material | Property | Missing Doc | Missing Appraisal (Property) | Waived-Appraisal not provided. Missing 2nd Appraisal due to transfer in past 12 months and greater than 20% appreciation. Lender provided approved exception to waive the 2nd appraisal due to appreciation in the last 12 months, dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/12/2026 |  | Waived-Appraisal not provided. Missing 2nd Appraisal due to transfer in past 12 months and greater than 20% appreciation. Lender provided approved exception to waive the 2nd appraisal due to appreciation in the last 12 months, dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/12/2026<br>|  |  | Compensating Factors: - CDA in file shows 0% variance - Appraisal shows that subject was completely <br> remodeled and XX photos support the counters, floors, baths, deck etc have all been redone to <br> support increase in value. - DTI is 21.90% without using rental income from the subject vs max 50% | FL | Investment | Refinance | Cash Out - Other | 9155543 | Originator Pre-Close | Yes |
| 530 | XX | XX | XX |  |  | Closed | 2026-05-12 11:56 | 2026-05-12 11:56 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | 9155519 | Investor Post-Close | No |
| 531 | XX | XX | XX |  |  | Closed | 2026-04-29 14:11 | 2026-05-05 11:14 |  | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 715 is less than Guideline FICO of 720 Lender pre-closing exception provided. Finding waived. - Due Diligence Vendor-05/05/2026 <br>Ready for Review-Document Uploaded. sle - Buyer-05/04/2026 <br>Open-Audited FICO of 715 is less than Guideline FICO of 720 Underwriting exception pg # 483-484 - Requesting a 5-point FICO exception to allow 90% LTV - Due Diligence Vendor-04/29/2026 |  | Waived-Audited FICO of 715 is less than Guideline FICO of 720 Lender pre-closing exception provided. Finding waived. - Due Diligence Vendor-05/05/2026<br>| XX |  | Low DTI of 31.776% vs max DTI of 43%<br> --Post Closing Reserves <br> $21,031.00 (6 mos) vs $9,600.00 (3 mos) Required --0x30x24 Housing Payment history reflected on the <br> VOR | CA | Primary Residence | Purchase | NA | 8956853 | Originator Pre-Close | Yes |
| 535 | XX | XX | XX |  |  | Closed | 2026-03-20 09:30 | 2026-04-24 08:12 | 2026-03-30 18:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Document - COC received - Due Diligence Vendor-03/30/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. Please see attached COC. - Buyer-03/30/2026 <br>Open-XX- Due Diligence Vendor-03/21/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($211.00) were applied to the total fee variance of ($7,603.66) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC not available for supporting lender credit for $6204.00 and $211.00 is not available. - Due Diligence Vendor-03/20/2026 <br>Open-XX- Due Diligence Vendor-03/20/2026 <br>Open-XX- Due Diligence Vendor-03/20/2026 <br>Open-XX- Due Diligence Vendor-03/20/2026 |  | Resolved-Document - COC received - Due Diligence Vendor-03/30/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/30/2026<br>| XX |  |  | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8236539 | N/A | N/A |
| 535 | XX | XX | XX |  |  | Closed | 2026-03-20 09:30 | 2026-04-24 08:03 | 2026-03-30 18:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Document - COC received - Due Diligence Vendor-03/30/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. Please see attached COC. - Investor-03/30/2026 <br>Open-XX- Due Diligence Vendor-03/21/2026 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($211.00) were applied to the total fee variance of ($7,603.66) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC not available for supporting lender credit for $6204.00 and $211.00 is not available.<br> - Due Diligence Vendor-03/20/2026 <br>Open-XX- Due Diligence Vendor-03/20/2026 <br>Open-XX- Due Diligence Vendor-03/20/2026 <br>Open-XX- Due Diligence Vendor-03/20/2026 |  | Resolved-Document - COC received - Due Diligence Vendor-03/30/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/30/2026<br>| XX |  |  | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8236542 | N/A | N/A |
| 536 | XX | XX | XX |  |  | Closed | 2026-05-13 13:51 | 2026-05-18 15:40 | 2026-05-18 15:40 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Lender provided the hazard insurance for the REO property - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. Please see attached insurance for XX. - Buyer-05/18/2026 <br> Open-Missing Evidence of Insurance for property REO 3(a) on final application. - Due Diligence Vendor-05/13/2026 |  | Resolved-Lender provided the hazard insurance for the REO property - Due Diligence Vendor-05/18/2026<br>| XX |  |  | FL | Primary Residence | Purchase | NA | 9181943 | N/A | N/A |
| 539 | XX | XX | XX |  |  | Closed | 2026-05-18 07:00 | 2026-05-26 11:25 | 2026-05-26 11:25 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided credit report for B1 and B2. Condition resolved. - Due Diligence Vendor-05/26/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Lender provided credit report for B1 and B2. Condition resolved. - Due Diligence Vendor-05/26/2026 <br>Ready for Review-Document Uploaded. Please see attached credit reports. - Buyer-05/22/2026 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Credit report missing Finding added. - Due Diligence Vendor-05/18/2026 |  | Resolved-Lender provided credit report for B1 and B2. Condition resolved. - Due Diligence Vendor-05/26/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Lender provided credit report for B1 and B2. Condition resolved. - Due Diligence Vendor-05/26/2026<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 9246945 | N/A | N/A |
| 539 | XX | XX | XX |  |  | Closed | 2026-05-15 05:13 | 2026-05-26 11:25 | 2026-05-26 11:25 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Lender provided credit report for B1 and B2. Condition resolved. - Due Diligence Vendor-05/26/2026 <br>Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-05/26/2026 <br>Ready for Review-Document Uploaded. Please see attached credit reports. - Investor-05/22/2026 <br>Open-Borrower 2 Credit Report is Missing. Credit report or supplementary report is missing on file. - Due Diligence Vendor-05/15/2026 |  | Resolved-Lender provided credit report for B1 and B2. Condition resolved. - Due Diligence Vendor-05/26/2026 <br>Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-05/26/2026<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 9216143 | N/A | N/A |
| 539 | XX | XX | XX |  |  | Closed | 2026-05-15 05:13 | 2026-05-26 11:25 | 2026-05-26 11:25 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Lender provided credit report for B1 and B2. Condition resolved. - Due Diligence Vendor-05/26/2026 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/26/2026 <br>Ready for Review-Document Uploaded. Please see attached credit reports. - Investor-05/22/2026 <br>Open-Borrower 1 Credit Report is Missing. Credit report or supplementary report is missing on file. - Due Diligence Vendor-05/15/2026 |  | Resolved-Lender provided credit report for B1 and B2. Condition resolved. - Due Diligence Vendor-05/26/2026 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/26/2026<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 9216142 | N/A | N/A |
| 550 | XX | XX | XX |  |  | Closed | 2026-05-14 11:35 | 2026-05-14 11:35 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/14/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/14/2026<br>|  |  |  | MD | Investment | Refinance | Cash Out - Other | 9202564 | Investor Post-Close | No |
| 559 | XX | XX | XX |  |  | Closed | 2026-05-12 09:26 | 2026-05-21 15:31 | 2026-05-21 15:31 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-05/21/2026 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-05/20/2026 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. - Due Diligence Vendor-05/12/2026 |  | Resolved-Disclosure provided. - Due Diligence Vendor-05/21/2026<br>| XX |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 9150843 | N/A | N/A |
| 559 | XX | XX | XX |  |  | Closed | 2026-05-12 09:46 | 2026-05-12 09:46 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026<br>|  |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 9151368 | Originator Pre-Close | Yes |
| 561 | XX | XX | XX |  |  | Closed | 2026-03-24 15:53 | 2026-04-08 13:19 | 2026-04-08 13:19 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Correct policy received. Resolved. - Due Diligence Vendor-04/08/2026 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Please see attached policy. - Investor-04/08/2026 <br> Counter-Additional copy of insurance policy effective post close received and is not acceptable. Please provide copy of policy declaration page for policy effective 4/XX/25 - 4/XX/26 policy showing coverage for all perils, as required by FNMA when lender guidelines are silent. Not resolved. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. Please see attached insurance policy. - Buyer-04/02/2026 <br> Counter-Document provided for policy effective 4/XX/25 - 4/XX/26 is insufficient. Please provide copy of policy declaration page showing coverage for all perils, as required by FNMA when lender guidelines are silent. Not resolved. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. Please see attached current and new insurance policies. - Investor-03/26/2026 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-03/24/2026 |  | Resolved-Correct policy received. Resolved. - Due Diligence Vendor-04/08/2026 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/08/2026<br>| XX |  |  | AR | Investment | Refinance | Cash Out - Other | 8300195 | N/A | N/A |
| 561 | XX | XX | XX |  |  | Closed | 2026-03-20 08:00 | 2026-03-24 16:00 |  | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-03/24/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-03/24/2026<br>|  |  |  | AR | Investment | Refinance | Cash Out - Other | 8234132 | Investor Post-Close | No |
| 564 | XX | XX | XX |  |  | Closed | 2026-05-12 13:04 | 2026-05-12 13:04 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026<br>|  |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 9157197 | Investor Post-Close | No |
| 566 | XX | XX | XX |  |  | Closed | 2026-05-06 11:50 | 2026-05-11 10:59 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-XX- Due Diligence Vendor-05/11/2026 <br>Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/06/2026 |  | Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/06/2026<br>|  |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 9066981 | Investor Post-Close | No |
| 572 | XX | XX | XX |  |  | Closed | 2026-05-12 08:21 | 2026-05-12 08:21 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 9149478 | Originator Post-Close | No |
| 572 | XX | XX | XX |  |  | Closed | 2026-05-12 03:26 | 2026-05-12 03:26 |  | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete - Due Diligence Vendor-05/12/2026 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete - Due Diligence Vendor-05/12/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 9145993 | Investor Post-Close | No |
| 584 | XX | XX | XX |  |  | Closed | 2026-05-08 10:20 | 2026-05-11 17:12 | 2026-05-11 17:12 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Thank you for providing the Certificate of Good Standing. Resolved. - Due Diligence Vendor-05/11/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-05/11/2026 <br>Ready for Review-Document Uploaded. Please see attached certificate of good standing. - Buyer-05/11/2026 <br>Open-Missing Evidence of Good Standing. - Due Diligence Vendor-05/08/2026 |  | Resolved-Thank you for providing the Certificate of Good Standing. Resolved. - Due Diligence Vendor-05/11/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-05/11/2026<br>| XX |  |  | PA | Investment | Purchase | NA | 9106925 | N/A | N/A |
| 585 | XX | XX | XX |  |  | Closed | 2026-04-30 06:25 | 2026-05-05 17:48 | 2026-05-05 17:48 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Thank you for providing the Initial CD. Resolved. - Due Diligence Vendor-05/05/2026 <br> Resolved-XX- Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. icd 032426 - Buyer-05/05/2026 <br> Open-The Initial Closing Disclosure Received Date of (2026-XX-10) is not three business days before the consummation date of (2026-XX-10). Three business days before the consummation date is (XX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD is missing in this file. - Due Diligence Vendor-04/30/2026 <br> Open-XX- Due Diligence Vendor-04/30/2026 <br> Open-XX- Due Diligence Vendor-04/30/2026 <br> Open-XX- Due Diligence Vendor-04/30/2026 |  | Resolved-Thank you for providing the Initial CD. Resolved. - Due Diligence Vendor-05/05/2026<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 8967061 | N/A | N/A |
| 585 | XX | XX | XX |  |  | Closed | 2026-04-29 11:02 | 2026-04-29 11:02 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-04/29/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-04/29/2026<br>|  |  |  | CA | Primary Residence | Purchase | NA | 8950731 | Investor Post-Close | No |
| 586 | XX | XX | XX |  |  | Closed | 2026-04-16 09:11 | 2026-05-11 09:05 | 2026-05-11 09:05 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for Primary Residence | Resolved-No HOA verified with 1004D. The lender provided the required documents. Condition resolved. - Due Diligence Vendor-05/11/2026 <br>Ready for Review-per UW there is no HOA on this loan - Buyer-05/07/2026 <br>Open-Missing Evidence of HOA Dues for Primary Residence HOA $764 has been considered in DTI however no supporting document available in file to verify the same. - Due Diligence Vendor-04/16/2026 |  | Resolved-No HOA verified with 1004D. The lender provided the required documents. Condition resolved. - Due Diligence Vendor-05/11/2026<br>|  |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 8705216 | N/A | N/A |
| 586 | XX | XX | XX |  |  | Closed | 2026-04-15 07:11 | 2026-04-23 14:19 | 2026-04-23 14:19 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Lender provided E-Consent e-signed and dated by borrower. condition resolved. - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. econsent - Buyer-04/22/2026 <br>Open-XX-Consent documentation is missing for borrower(s). E-Consent document is missing in file. - Due Diligence Vendor-04/15/2026 |  | Resolved-Lender provided E-Consent e-signed and dated by borrower. condition resolved. - Due Diligence Vendor-04/23/2026<br>| XX |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 8673421 | N/A | N/A |
| 587 | XX | XX | XX |  |  | Closed | 2026-03-23 00:26 | 2026-04-03 15:02 | 2026-04-03 15:02 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Cross collateral payoff received. - Due Diligence Vendor-04/03/2026 <br> Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. UW manager response: We have the payoff demand in the file for the blanket mortgage covering XX. We also have email from Title company confirming that the simultaneous close of all 3 of our loans will satisfy that blanket mortgage since we divided the payoff by 3 and assigned a third to each of the 3 loans. Please waive this condition, thanks - Seller-03/31/2026 <br> Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. UW manager response: We have the payoff demand in the file for the blanket mortgage covering XX We also have email from Title company confirming that the simultaneous close of all 3 of our loans will satisfy that blanket mortgage since we divided the payoff by 3 and assigned a third to each of the 3 loans. Please waive this condition, thanks - Seller-03/31/2026 | Resolved-Cross collateral payoff received. - Due Diligence Vendor-04/03/2026 <br>Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-04/03/2026<br>| XX |  |  | MD | Investment | Refinance | Cash Out - Other | 8255885 | N/A | N/A |
| 587 | XX | XX | XX |  |  | Closed | 2026-03-22 23:43 | 2026-04-03 15:01 | 2026-04-03 15:01 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Note in business name. - Due Diligence Vendor-04/03/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/03/2026 <br> Ready for Review-UW manager response: The 1003 shows the borrower's primary residence as living rent free at XX. There is no Secondary residence listed. Only the 4 investment in the REO section of the 1003 and we have 12 months of mortgage statements in the file showing paid as agreed for the blanket mortgage covering XX in the file. Please waive this condition, thanks - Buyer-03/31/2026 <br> Open-Housing History Does Not Meet Guideline Requirements, Missing for both Primary and Secondary residence. - Due Diligence Vendor-03/23/2026 |  | Resolved-Note in business name. - Due Diligence Vendor-04/03/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/03/2026<br>|  |  |  | MD | Investment | Refinance | Cash Out - Other | 8255758 | N/A | N/A |
| 587 | XX | XX | XX |  |  | Closed | 2026-03-23 17:12 | 2026-04-03 14:48 | 2026-04-03 14:48 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-04/03/2026 <br> Ready for Review-UW management response: The 1003 shows the borrower's primary residence as living rent free at XX. There is no Secondary residence listed. Only the 4 investment in the REO section of the 1003 and we have 12 months of mortgage statements in the file showing paid as agreed for the blanket mortgage covering XX in the file. Please waive this condition, thanks - Buyer-03/31/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Mortgage (VOM) Document is Missing for Subject property and primary residence. - Due Diligence Vendor-03/23/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-04/03/2026<br>|  |  |  | MD | Investment | Refinance | Cash Out - Other | 8275705 | N/A | N/A |
| 591 | XX | XX | XX |  |  | Closed | 2026-03-22 15:55 | 2026-03-28 10:58 | 2026-03-28 10:58 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Lender's guidelines are silent regarding borrowers living rent-free. Loan meets guideline requirements, finding resolved. - Due Diligence Vendor-03/28/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/28/2026 <br>Ready for Review-UW Management response: Borrower lives rent free as indicated on the 1003, guidelines do not require additional documentation for this scenario. - Buyer-03/27/2026 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Borrower mentioned as 'No primary housing expense' Supporting documents missing - Due Diligence Vendor-03/22/2026 |  | Resolved-Lender's guidelines are silent regarding borrowers living rent-free. Loan meets guideline requirements, finding resolved. - Due Diligence Vendor-03/28/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/28/2026<br>|  |  |  | MD | Investment | Refinance | Cash Out - Other | 8254522 | N/A | N/A |
| 591 | XX | XX | XX |  |  | Closed | 2026-03-22 15:15 | 2026-03-27 09:55 | 2026-03-27 09:55 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Document Uploaded. Please see attached business purpose affidavit. - Buyer-03/26/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-03/22/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/27/2026<br>| XX |  |  | MD | Investment | Refinance | Cash Out - Other | 8254401 | N/A | N/A |
| 596 | XX | XX | XX |  |  | Closed | 2026-05-12 14:15 | 2026-05-12 14:15 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/12/2026<br>|  |  |  | CA | Investment | Refinance | Cash Out - Other | 9159504 | Investor Post-Close | No |
| 599 | XX | XX | XX |  |  | Closed | 2026-05-01 06:24 | 2026-05-26 12:12 | 2026-05-26 12:12 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender provided PCD to cure tolerance of credit report fee and proof delivery to the borrower. Condition resolved - Due Diligence Vendor-05/26/2026 <br>Resolved-XX- Due Diligence Vendor-05/26/2026 <br>Ready for Review-Document Uploaded. Please see attached cure package. - Investor-05/22/2026 <br>Open-A Lender Credit for Excess Charges of ($100.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($123.08) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC is missing for increase in Credit Report Fee - Due Diligence Vendor-05/01/2026 <br>Open-XX- Due Diligence Vendor-05/05/2026 <br>Open-XX- Due Diligence Vendor-05/01/2026 <br>Open-XX- Due Diligence Vendor-05/01/2026 <br>Open-XX- Due Diligence Vendor-05/01/2026 |  | Resolved-Lender provided PCD to cure tolerance of credit report fee and proof delivery to the borrower. Condition resolved - Due Diligence Vendor-05/26/2026<br>| XX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 8995071 | N/A | N/A |
| 599 | XX | XX | XX |  |  | Closed | 2026-05-01 06:24 | 2026-05-26 12:11 | 2026-05-26 12:11 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender provided PCD to cure tolerance of credit report fee and proof delivery to the borrower. Condition resolved - Due Diligence Vendor-05/26/2026 <br>Resolved-XX- Due Diligence Vendor-05/26/2026 <br>Ready for Review-Document Uploaded. Please see attached cure package. - Buyer-05/22/2026 <br>Open-A Lender Credit for Excess Charges of ($100.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($123.08) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC is missing for increase in Credit Report Fee - Due Diligence Vendor-05/01/2026 <br>Open-XX- Due Diligence Vendor-05/05/2026 <br>Open-XX- Due Diligence Vendor-05/01/2026 <br>Open-XX- Due Diligence Vendor-05/01/2026 <br>Open-XX- Due Diligence Vendor-05/01/2026 |  | Resolved-Lender provided PCD to cure tolerance of credit report fee and proof delivery to the borrower. Condition resolved - Due Diligence Vendor-05/26/2026<br>| XX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 8995070 | N/A | N/A |
| 604 | XX | XX | XX |  |  | Closed | 2026-03-20 08:35 | 2026-04-03 15:35 | 2026-04-03 15:35 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard policy received. Resolved. - Due Diligence Vendor-04/03/2026 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Document Uploaded. hoi - Buyer-04/01/2026 <br>Open-Missing Hazard Insurance Policy Provide active Hazard Insurance Policy for subject property - Due Diligence Vendor-03/20/2026 |  | Resolved-Hazard policy received. Resolved. - Due Diligence Vendor-04/03/2026 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/03/2026<br>| XX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 8234849 | N/A | N/A |
| 604 | XX | XX | XX |  |  | Closed | 2026-03-20 08:20 | 2026-03-20 08:20 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 8234564 | Investor Post-Close | No |
| 607 | XX | XX | XX |  |  | Closed | 2026-04-15 08:52 | 2026-05-26 13:01 | 2026-05-26 13:01 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender provided PCD to cure tolerance and proof delivery to the borrower. Condition resolved - Due Diligence Vendor-05/26/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/26/2026 <br>Ready for Review-Document Uploaded. Please see attached cure package. - Buyer-05/26/2026 <br>Counter-Review TRID disclosure and Fee tolerance Comparison, we need a COC for appraisal fee increase from 590 to 610.00, Condition remains. - Due Diligence Vendor-04/24/2026 <br>Open-XX- Due Diligence Vendor-04/24/2026 <br>Ready for Review-Document Uploaded. Please see attached fee comparison. Please advise which fee a COC is needed for. - Investor-04/23/2026 <br>Open-Valid COC missing for $20 lender credits in Final CD are less than the total fee variance amount. - Due Diligence Vendor-04/15/2026 <br>Open-A Lender Credit for Excess Charges of ($5.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($25.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-04/15/2026 <br>Open-XX- Due Diligence Vendor-04/17/2026 <br>Open-XX- Due Diligence Vendor-04/17/2026 <br>Open-XX- Due Diligence Vendor-04/15/2026 <br>Open-XX- Due Diligence Vendor-04/15/2026 |  | Resolved-Lender provided PCD to cure tolerance and proof delivery to the borrower. Condition resolved - Due Diligence Vendor-05/26/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/26/2026<br>| XX |  |  | MI | Primary Residence | Purchase | NA | 8676119 | N/A | N/A |
| 607 | XX | XX | XX |  |  | Closed | 2026-04-15 08:52 | 2026-05-26 13:01 | 2026-05-26 13:01 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender provided PCD to cure tolerance and proof delivery to the borrower. Condition resolved - Due Diligence Vendor-05/26/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/26/2026 <br>Ready for Review-Document Uploaded. Please see attached cure package. - Buyer-05/26/2026 <br>Counter-Review TRID disclosure and Fee tolerance Comparison, we need a COC for appraisal fee increase from 590 to 610.00, Condition remains. - Due Diligence Vendor-04/24/2026 <br>Open-XX- Due Diligence Vendor-04/24/2026 <br>Ready for Review-Document Uploaded. Please see attached fee comparison. Please advise which fee a COC is needed for. - Investor-04/23/2026 <br>Open-Valid COC missing for $20 lender credits in Final CD are less than the total fee variance amount. - Due Diligence Vendor-04/15/2026 <br>Open-A Lender Credit for Excess Charges of ($5.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($25.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-04/15/2026 <br>Open-XX- Due Diligence Vendor-04/17/2026 <br>Open-XX- Due Diligence Vendor-04/17/2026 <br>Open-XX- Due Diligence Vendor-04/15/2026 <br>Open-XX- Due Diligence Vendor-04/15/2026 |  | Resolved-Lender provided PCD to cure tolerance and proof delivery to the borrower. Condition resolved - Due Diligence Vendor-05/26/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/26/2026<br>| XX |  |  | MI | Primary Residence | Purchase | NA | 8676118 | N/A | N/A |
| 610 | XX | XX | XX |  |  | Closed | 2026-04-03 13:01 | 2026-04-15 10:56 | 2026-04-15 10:56 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received Initial CD dated 03/12/2026. Condition resolved. - Due Diligence Vendor-04/15/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. Please see attached e-signed initial CD. - Buyer-04/14/2026 <br>Open-The Initial Closing Disclosure Received Date of (2026-XX-20) is not three business days before the consummation date of (2026-XX-20). Three business days before the consummation date is (20260317). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial Closing Disclosure three business days before the consummation date is missing in file. - Due Diligence Vendor-04/03/2026 <br>Open-XX- Due Diligence Vendor-04/03/2026 |  | Resolved-Received Initial CD dated 03/12/2026. Condition resolved. - Due Diligence Vendor-04/15/2026 <br>Resolved-Resolved - Due Diligence Vendor-04/15/2026<br>| XX |  |  | CO | Primary Residence | Purchase | NA | 8479847 | N/A | N/A |
| 610 | XX | XX | XX |  |  | Closed | 2026-04-03 11:44 | 2026-04-09 10:36 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. valuation report provided and it is with in tolerance - Due Diligence Vendor-04/03/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. valuation report provided and it is with in tolerance - Due Diligence Vendor-04/03/2026<br>|  |  |  | CO | Primary Residence | Purchase | NA | 8478139 | Investor Post-Close | No |
| 614 | XX | XX | XX |  |  | Closed | 2026-04-29 16:12 | 2026-05-05 15:33 | 2026-05-05 15:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Thank you for providing the Business Purpose Affidavit. Resolved. - Due Diligence Vendor-05/05/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/05/2026 <br>Ready for Review-business purpose - Buyer-05/05/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/29/2026 |  | Resolved-Thank you for providing the Business Purpose Affidavit. Resolved. - Due Diligence Vendor-05/05/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/05/2026<br>| XX |  |  | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 8960195 | N/A | N/A |
| 615 | XX | XX | XX |  |  | Closed | 2026-04-29 17:12 | 2026-05-08 09:38 | 2026-05-08 09:38 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history supported with REO properties. Rent free previously - Due Diligence Vendor-05/08/2026 <br> Ready for Review-5/7/26 Per our UW manager - ""Rent free letter not required for this program. Full mortgage history in file for both properties. XX(borrowers primary) purchased in 1/2026 and mortgage history on credit report. XX owned since 10/2024 and mortgage history is also on credit report. nothing needed per guidelines to confirm previous living rent free per 1003"". Please clear this condition. Thanks. - Buyer-05/07/2026 <br> Counter-Per page 13, Item 27 of the SmartVest Product Summary DTD 02.29.2026, titled Housing Payment History, the following verification applies: Housing Payment History: 0x30x12.<br> Applies to All mortgages and rental payments within the 12 months prior to closing. Not resolved. - Due Diligence Vendor-05/05/2026 <br> Ready for Review-5/4/26 Per our UW manager - "Rent free letter not required for this program. Full mortgage history in file for both properties. XX (borrowers primary) purchased in 1/2026 and mortgage history on credit report. 1XX owned since 10/2024 and mortgage history is also on credit report. nothing needed per guidelines to confirm previous living rent free per 1003". Please clear this condition. Thanks. - Buyer-05/04/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Per lending guidelines, 12 months of housing history must be verified. Audit confirmed only three payments for the borrower's primary residence; the remaining history could not be established as no 'rent-free' and/or no primary housing expense letter was located.<br> - Due Diligence Vendor-04/29/2026 |  | Resolved-Housing history supported with REO properties. Rent free previously - Due Diligence Vendor-05/08/2026<br>|  |  |  | IL | Investment | Purchase | NA | 8962020 | N/A | N/A |
| 615 | XX | XX | XX |  |  | Closed | 2026-04-29 17:01 | 2026-05-04 07:06 | 2026-05-04 07:06 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided condition resolved - Due Diligence Vendor-05/04/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/04/2026 <br>Ready for Review-Document Uploaded. 5/1/26 Please se attached Business Purpose - Buyer-05/01/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/29/2026 |  | Resolved-Business Purpose Affidavit provided condition resolved - Due Diligence Vendor-05/04/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/04/2026<br>| XX |  |  | IL | Investment | Purchase | NA | 8961847 | N/A | N/A |
| 616 | XX | XX | XX |  |  | Closed | 2026-05-05 14:09 | 2026-06-10 12:49 |  | Waived | 2 - Non-Material | Credit | Eligibility | Non-occupant co-borrowers not allowed per guidelines | Waived-SLE Document provided. Finding waived - Due Diligence Vendor-05/13/2026 <br>Ready for Review-Document Uploaded. Please see attached SLE. - Investor-05/12/2026 <br>Open-Exception - 405 - Requesting exception for occupying borrower requirement to contribute to qualifying income due to non-occupant co-borrowers - Due Diligence Vendor-05/05/2026 |  | Waived-SLE Document provided. Finding waived - Due Diligence Vendor-05/13/2026<br>| XX |  | 80% LTV vs 85% max per product guidelines (reduced from 90% due to non-owner occupancy) 782 FICO vs 740 minimum required per product guidelines $350,000 reserves vs $90,000 minimum required per product guidelines | CA | Primary Residence | Purchase | NA | 9050525 | Investor Post-Close | No |
| 616 | XX | XX | XX |  |  | Closed | 2026-05-05 13:46 | 2026-05-11 10:26 | 2026-05-11 10:26 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-05/11/2026 <br>Resolved-XX-Consent documentation for borrower(s) provided. - Due Diligence Vendor-05/11/2026 <br>Ready for Review-Document Uploaded. Please see attached econsent confirmation, initial disclosures were sent on 03-XX-26 - Buyer-05/08/2026 <br>Open-XX-Consent documentation is missing for borrower(s). E-Consent missing in file dated before 03/31 - Due Diligence Vendor-05/05/2026 |  | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-05/11/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-05/11/2026<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 9049981 | N/A | N/A |
| 616 | XX | XX | XX |  |  | Closed | 2026-05-05 13:46 | 2026-05-11 10:25 | 2026-05-11 10:25 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-05/11/2026 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/11/2026 <br>Ready for Review-Document Uploaded. Please see attached HOC list. - Buyer-05/08/2026 <br>Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete Initial Homeownership counselling organizations disclosure missing in file. - Due Diligence Vendor-05/05/2026 |  | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-05/11/2026 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/11/2026<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 9049980 | N/A | N/A |
| 619 | XX | XX | XX |  |  | Closed | 2026-06-11 11:38 | 2026-06-17 12:21 |  | Waived | 2 - Non-Material | Credit | Missing Doc | Missing Property Value Doc Source | Waived-Lender Wavier Applied. Not using the lower appraisal value; deemed insufficient. Used the middle value $XX with current comps 4 within 6 months and 2 within 12 months. CU Score 2.6 for the $XX Appraisal - Due Diligence Vendor-06/11/2026 <br> Open-Lender stated the $XX appraisal wasn't used because CRT deems it deficient and it was escalated to the CRT manager who agreed with the determination. The Appraisal was archived to avoid any confusion. The decision was made to the use the middle appraisal - the revised XX report at $XX. Subject was a 2024 new constructions, 2 story home with XX SF, 5bd, 4.5 baths with many extras and upgrades in suburban area with stable values and growth. The subject has a functional floorplan and superior market appeal for this area. All comps in the revised report had sales in the prior 12 months. - Due Diligence Vendor-06/11/2026 <br> Open-Missing Property Value Doc Source. File contains 3 appraisals and lender used middle value for LTV. $XX dated 3/12/2026; $XX dated 03/XX/2026 and $XX dated 04/XX/2026. CU score for $XX is 2.6 Lender comment on 1008 satins the lower of 2 appraisal reports being used for value. No mention of 3rd appraisal. Home is new construction completed in 2024. Appraisals are As Is. Missing explanation for using middle value for LTV. - Due Diligence Vendor-06/11/2026 | per Lender: the $XX appraisal wasn't used because CRT deems it deficient and it was escalated to the CRT manager who agreed with the determination. The Appraisal was archived to avoid any confusion. The decision was made to the use the middle appraisal - the revised XX report at $XX. Subject was a 2024 new construction, 2 story home with XX SF, 5bd, 4.5 baths with many extras and upgrades in suburban area with stable values and growth. The subject has a functional floorplan and superior market appeal for this area. All comps in the revised report had sales in the prior 12 months. - 06/17/2026 <br>| Waived-Lender Wavier Applied. Not using the lower appraisal value; deemed insufficient. Used the middle value $XX, with current comps 4 within 6 months and 2 within 12 months. CU Score 2.6 for the $XX Appraisal - Due Diligence Vendor-06/11/2026 |  |  | Rate/Term Refinance; Borrower has living in subject property for over 1yr; Borrower has been self employed for 18 years; Credit report reflect 0x30 mortgage history for 24 mths; Qualifying Credit Score 771 | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9695385 | Originator Pre-Close | No |
| 619 | XX | XX | XX |  |  | Closed | 2026-05-01 14:29 | 2026-05-22 10:44 | 2026-05-22 10:44 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XX) | Cured-Cured post-close. Lender provided letter of explanation, copy of post-close CD and proof of tolerance cure in the form of principal reduction (copy of payment history reflecting the principal reduction was provided). This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/22/2026 <br>Ready for Review-Document Uploaded. The appraisal fee has already been cured. - I have attached the updated PCCD and payment history to re-disclose and confirm that the cited cost has been cured with a principal reduction - Seller-05/20/2026 <br>Counter-There is a total of three appraisal fees on the Final CD -1st @ $500, appraisal 2nd @ $850 and appraisal re-inspections @ $200. Condition remains. - Due Diligence Vendor-05/11/2026 <br>Ready for Review-Compliance response: finding invalid. This was addressed on the COC, page 766, where borrower changed loan products and the YSP changed from $1,365 (Lender Credit) to -$11,760 (Discount Points), and disclosed to the borrower on the LE 3/18/2026, pages 767-769. - Buyer-05/08/2026 <br>Open-XX- Due Diligence Vendor-05/05/2026 <br>Open-XX- Due Diligence Vendor-05/05/2026 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Lender Credit Was decreased however don't have valid COC. - Due Diligence Vendor-05/01/2026 <br>Open-XX- Due Diligence Vendor-05/01/2026 <br>Open-XX- Due Diligence Vendor-05/01/2026 | Ready for Review-Document Uploaded. The appraisal fee has already been cured. - I have attached the updated PCCD and payment history to re-disclose and confirm that the cited cost has been cured with a principal reduction - Seller-05/20/2026<br>| Cured-Cured post-close. Lender provided letter of explanation, copy of post-close CD and proof of tolerance cure in the form of principal reduction (copy of payment history reflecting the principal reduction was provided). This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/22/2026<br>| XX |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9006083 | N/A | N/A |
| 619 | XX | XX | XX |  |  | Closed | 2026-05-01 14:29 | 2026-05-22 10:44 | 2026-05-22 10:43 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XX) | Cured-Cured post-close. Lender provided letter of explanation, copy of post-close CD and proof of tolerance cure in the form of principal reduction (copy of payment history reflecting the principal reduction was provided). This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/22/2026 <br>Ready for Review-Document Uploaded. The appraisal fee has already been cured. - I have attached the updated PCCD and payment history to re-disclose and confirm that the cited cost has been cured with a principal reduction - Buyer-05/20/2026 <br>Counter-There is a total of three appraisal fees on the Final CD -1st @ $500, appraisal 2nd @ $850 and appraisal re-inspections @ $200. Condition remains. - Due Diligence Vendor-05/11/2026 <br>Ready for Review-Document Uploaded. Appraisal fee decreased from $750 to $500. Please see attached COC for re-inspection fee. - Investor-05/08/2026 <br>Open-XX- Due Diligence Vendor-05/05/2026 <br>Open-XX- Due Diligence Vendor-05/05/2026 <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Appraisal Fee was increased however don't have valid COC. - Due Diligence Vendor-05/01/2026 <br>Open-XX- Due Diligence Vendor-05/01/2026 <br>Open-XX- Due Diligence Vendor-05/01/2026 |  | Cured-Cured post-close. Lender provided letter of explanation, copy of post-close CD and proof of tolerance cure in the form of principal reduction (copy of payment history reflecting the principal reduction was provided). This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/22/2026<br>| XX |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9006082 | N/A | N/A |
| 619 | XX | XX | XX |  |  | Closed | 2026-05-01 15:30 | 2026-05-01 15:30 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/01/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/01/2026<br>|  |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9008605 | Investor Post-Close | No |
| 623 | XX | XX | XX |  |  | Closed | 2026-05-01 15:36 | 2026-05-11 08:53 | 2026-05-11 08:53 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-The lender provided the required documents. properties are owned free and clear. Condition resolved. - Due Diligence Vendor-05/11/2026 <br> Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. Please see attached letter for rental income on : <br> XX - Buyer-05/07/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The tax and insurance documents provided are not sufficient. Please send documentation to support the rental income amount per the 1003<br> XX Due Diligence Vendor-05/01/2026 |  | Resolved-The lender provided the required documents. properties are owned free and clear. Condition resolved. - Due Diligence Vendor-05/11/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/11/2026<br>| XX |  |  | FL | Primary Residence | Purchase | NA | 9008669 | N/A | N/A |
| 623 | XX | XX | XX |  |  | Closed | 2026-04-29 07:49 | 2026-04-29 07:49 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/29/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/29/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 8944079 | Investor Post-Close | No |
| 629 | XX | XX | XX |  |  | Closed | 2026-04-09 13:55 | 2026-04-09 13:55 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-04/09/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-04/09/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8581659 | Investor Post-Close | No |
| 634 | XX | XX | XX |  |  | Closed | 2026-04-20 13:35 | 2026-05-12 08:20 | 2026-05-12 08:20 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/12/2026 <br>Ready for Review-Document Uploaded. business purpose - Buyer-05/12/2026 <br>Counter-Received note stating the broker has no affiliated businesses. We are missing the borrowers Business Purpose Affidavit, not the Affiliated Business Disclosure. Not resolved. - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Does not apply. Broker marked " no" to affiliated business at time of application. - Buyer-04/28/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/20/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/12/2026<br>| XX |  |  | AZ | Investment | Purchase | NA | 8776283 | N/A | N/A |
| 634 | XX | XX | XX |  |  | Closed | 2026-04-21 10:11 | 2026-04-21 10:11 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/21/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/21/2026<br>|  |  |  | AZ | Investment | Purchase | NA | 8796378 | Investor Post-Close | No |
| 635 | XX | XX | XX |  |  | Closed | 2026-04-16 11:54 | 2026-05-06 16:14 |  | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/06/2026 <br>Waived-Audited DTI of 54.27% exceeds Guideline DTI of 50% - Due Diligence Vendor-05/06/2026 <br>Ready for Review-Per the response from our UW: The loan was approved with a documented DTI exception of 54.959% (max 55%). The audited DTI of 55.18% results solely from a higher tax figure on the final CD, not an underwriting error. Per NQM guidance, CA purchases use 1.25% unless actual taxes are documented. The file includes a tax certificate showing a 1.286365% rate, resulting in $452.91/month, which matches the 1008. The DTI remains compliant within the approved exception. $422,500 × 1.286365% = $5,434.89 annually / $452.91 monthly, - Buyer-05/05/2026 <br>Counter-Received copy of exception mentioned below. The exception was approved for DTI of 54.959%, Max 55%. Audited DTI is 55.18%. The difference from Lender to Audit DTI is due to an increase in Property Taxes from the 1008 to Final CD. Not resolved. - Due Diligence Vendor-04/22/2026 <br>Ready for Review-Document Uploaded. SLE - Buyer-04/20/2026 <br>Open-Audited DTI of 55.18% exceeds Guideline DTI of 50% Page#581 provided the Exception for DTI 54.959 vs max 50% - Due Diligence Vendor-04/16/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/06/2026 <br>Waived-Audited DTI of 54.27% exceeds Guideline DTI of 50% - Due Diligence Vendor-05/06/2026<br>| XX |  | FICO 780 vs Min FICO 740<br> Reserves greater than required 6 months<br> 6 Years self-employment vs guidelines 2 year required<br> 20% down from own funds | CA | Primary Residence | Purchase | NA | 8710104 | Originator Pre-Close | Yes |
| 639 | XX | XX | XX |  |  | Closed | 2026-04-30 02:53 | 2026-05-05 20:16 | 2026-05-05 20:16 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Thank you for providing the Post Closing CD. Resolved. - Due Diligence Vendor-05/06/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/06/2026 <br>Ready for Review-Document Uploaded. pccd - Buyer-05/05/2026 <br>Open-The loan disbursement date (2026-XX-21) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2026-XX-21). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to cancel date and Disbursement date is same in this file - Due Diligence Vendor-04/30/2026 <br>Open-XX- Due Diligence Vendor-04/30/2026 |  | Resolved-Thank you for providing the Post Closing CD. Resolved. - Due Diligence Vendor-05/06/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/06/2026<br>| XX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 8965580 | N/A | N/A |
| 639 | XX | XX | XX |  |  | Closed | 2026-04-29 08:01 | 2026-04-29 08:01 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged. - Due Diligence Vendor-04/29/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged. - Due Diligence Vendor-04/29/2026<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 8944324 | Investor Post-Close | No |
| 640 | XX | XX | XX |  |  | Closed | 2026-04-29 17:47 | 2026-05-05 17:07 | 2026-05-05 17:07 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Thank you for providing the Business Purpose Disclosure. Resolved. - Due Diligence Vendor-05/05/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/05/2026 <br>Ready for Review-Document Uploaded. business purpose - Buyer-05/05/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/29/2026 |  | Resolved-Thank you for providing the Business Purpose Disclosure. Resolved. - Due Diligence Vendor-05/05/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-05/05/2026<br>| XX |  |  | FL | Investment | Purchase | NA | 8962334 | N/A | N/A |
| 644 | XX | XX | XX |  |  | Closed | 2026-05-12 14:05 | 2026-06-10 12:50 |  | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-SLE Document provided. Finding waived - Due Diligence Vendor-05/21/2026 <br>Ready for Review-Document Uploaded. Please see attached SLE. - Buyer-05/20/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Per - XX- First Time Homebuyer guideline, rent-free status is permitted only if duration is more than 2 months and not exceeding 12 months. Borrower has been living rent-free beyond this allowable period. - Due Diligence Vendor-05/12/2026 |  | Waived-SLE Document provided. Finding waived - Due Diligence Vendor-05/21/2026<br>| XX |  | DTI is 39.82% vs 50% max<br> $41,000 reserves vs $13,727.34 minimum- <br> 792 FICO vs 700 min- | NJ | Primary Residence | Purchase | NA | 9159265 | Investor Post-Close | No |
| 644 | XX | XX | XX |  |  | Closed | 2026-05-12 12:28 | 2026-05-22 19:00 | 2026-05-22 19:00 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Master Insurance Policy | Resolved-thank you for providing a copy of the master insurance. Resolved. - Due Diligence Vendor-05/23/2026 <br>Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-05/22/2026 <br>Ready for Review-Document Uploaded. Please see attached policy. - Buyer-05/22/2026 <br>Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-05/12/2026 |  | Resolved-thank you for providing a copy of the master insurance. Resolved. - Due Diligence Vendor-05/23/2026 <br>Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-05/22/2026<br>| XX |  |  | NJ | Primary Residence | Purchase | NA | 9156202 | N/A | N/A |
| 644 | XX | XX | XX |  |  | Closed | 2026-05-12 14:35 | 2026-05-21 10:09 | 2026-05-21 10:09 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/21/2026 <br>Ready for Review-Document Uploaded. Please see attached SLE. - Buyer-05/20/2026 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements Per - XX- First Time Homebuyer guideline, rent-free status is permitted only if duration is more than 2 months and not exceeding 12 months. Borrower has been living rent-free beyond this allowable period. - Due Diligence Vendor-05/12/2026 |  | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/21/2026<br>| XX |  |  | NJ | Primary Residence | Purchase | NA | 9160007 | N/A | N/A |
| 646 | XX | XX | XX |  |  | Closed | 2026-04-28 14:32 | 2026-04-29 13:32 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-04/28/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-04/28/2026<br>|  |  |  | MI | Primary Residence | Purchase | NA | 8929352 | Investor Post-Close | No |
| 650 | XX | XX | XX |  |  | Closed | 2026-05-18 10:55 | 2026-05-18 10:59 |  | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Number of NSFs exceeded. The Guidelines allow no more than six NSF in any 12-month period. The borrower has 8 NSFs in the last 12 months. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/18/2026 |  | Waived-Number of NSFs exceeded. The Guidelines allow no more than six NSF in any 12-month period. The borrower has 8 NSFs in the last 12 months. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/18/2026<br>|  |  | DTI 25% vs. max 50%<br> Housing history 0x30x12<br> 6 years self-employed | GA | Primary Residence | Refinance | Cash Out - Other | 9252495 | Originator Pre-Close | Yes |
| 650 | XX | XX | XX |  |  | Closed | 2026-05-14 07:49 | 2026-05-18 10:55 |  | Waived | 2 - Non-Material | Property | Appraisal | Appraisal is Expired | Waived-Primary Value Appraisal is Expired Guidelines require that appraisal be no more 120 days as of the Note date. The appraisal dated 10/xx/2025 is dated more than 120 days as of Note date 04/xx/2026. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/18/2026 |  | Waived-Primary Value Appraisal is Expired Guidelines require that appraisal be no more 120 days as of the Note date. The appraisal dated 10/xx/2025 is dated more than 120 days as of Note date 04/xx/2026. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/18/2026 |  |  | DTI 25% vs. max 50%<br> Housing history 0x30x12<br> 6 years self-employed <br> With appraisal re-cert in file. | GA | Primary Residence | Refinance | Cash Out - Other | 9197029 | Originator Pre-Close | Yes |
| 650 | XX | XX | XX |  |  | Closed | 2026-05-14 09:18 | 2026-05-14 09:18 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/14/2026<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 9198760 | Investor Post-Close | No |
| 652 | XX | XX | XX |  |  | Closed | 2026-04-03 11:21 | 2026-04-03 11:21 |  | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete - Due Diligence Vendor-04/03/2026 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete - Due Diligence Vendor-04/03/2026<br>|  |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8477662 | Originator Post-Close | No |
| 653 | XX | XX | XX |  |  | Closed | 2026-04-29 14:26 | 2026-05-05 13:17 | 2026-05-05 13:17 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Final CD figures corrected. Resolved. - Due Diligence Vendor-05/05/2026 <br> Resolved-Resolved - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Finding invalid. Compliance testing was performed using the Change of Circumstance (COC) Closing Disclosure provided to the borrower on 4/XX/2026, which disclosed a scheduled closing date of 4/XX/2026 and represents the last Closing Disclosure issued prior to consummation. In addition, the consummation Closing Disclosure, included in the loan file on pages 343-347, reflects an issued date and closing date of 4/XX/2026 and discloses the final and accurate Total of Payments (TOP) and Finance Charge amounts. Accordingly, the disclosures provided comply with applicable Regulation Z requirements. - Buyer-05/04/2026 <br> Open-The disclosed Total of Payments ($1,548,666.51) is understated by more than $35 when compared to the actual Total of Payments of ($1,549,361.37). The difference is ($694.86). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) The disclosed Total of Payments ($1,548,666.51) is understated by more than $35 when compared to the actual Total of Payments of ($1,549,361.37). - Due Diligence Vendor-04/29/2026 <br> Open-XX- Due Diligence Vendor-04/29/2026 <br> Open-XX- Due Diligence Vendor-04/29/2026 |  | Resolved-Final CD figures corrected. Resolved. - Due Diligence Vendor-05/05/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/05/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8957553 | N/A | N/A |
| 653 | XX | XX | XX |  |  | Closed | 2026-04-29 14:26 | 2026-05-05 13:16 | 2026-05-05 13:16 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Final CD figures corrected. Resolved. - Due Diligence Vendor-05/05/2026 <br> Resolved-Resolved - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Finding invalid. Compliance testing was performed using the Change of Circumstance (COC) Closing Disclosure provided to the borrower on 4/XX/2026, which disclosed a scheduled closing date of 4/XX/2026 and represents the last Closing Disclosure issued prior to consummation. In addition, the consummation Closing Disclosure, included in the loan file on pages 343-347, reflects an issued date and closing date of 4/XX/2026 and discloses the final and accurate Total of Payments (TOP) and Finance Charge amounts. Accordingly, the disclosures provided comply with applicable Regulation Z requirements. - Buyer-05/04/2026 <br> Open-The disclosed finance charge ($882,613.51) is ($334.76) below the actual finance charge($882,948.27). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The disclosed finance charge ($882,613.51) is ($334.76) below the actual finance charge ($882,948.27). - Due Diligence Vendor-04/29/2026 <br> Open-XX- Due Diligence Vendor-04/29/2026 <br> Open-XX- Due Diligence Vendor-04/29/2026 |  | Resolved-Final CD figures corrected. Resolved. - Due Diligence Vendor-05/05/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/05/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8957550 | N/A | N/A |
| 653 | XX | XX | XX |  |  | Closed | 2026-04-29 14:26 | 2026-05-05 13:15 | 2026-05-05 13:15 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Final CD figures corrected. Resolved. - Due Diligence Vendor-05/05/2026 <br> Resolved-Resolved - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Finding invalid. Compliance testing was performed using the Change of Circumstance (COC) Closing Disclosure provided to the borrower on 4/XX/2026, which disclosed a scheduled closing date of 4/XX/2026 and represents the last Closing Disclosure issued prior to consummation. In addition, the consummation Closing Disclosure, included in the loan file on pages 343-347, reflects an issued date and closing date of 4/XX/2026 and discloses the final and accurate Total of Payments (TOP) and Finance Charge amounts. Accordingly, the disclosures provided comply with applicable Regulation Z requirements. - Investor-05/04/2026 <br> Open-The disclosed Total of Payments ($1,548,666.51) is understated by more than $100 when compared to the actual Total of Payments ($1,549,361.37). The difference is ($694.86). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $100. (12 CFR 1026.38(o)(1)) The disclosed Total of Payments ($1,548,666.51) is understated by more than $100 when compared to the actual Total of Payments ($1,549,361.37). - Due Diligence Vendor-04/29/2026 <br> Open-XX- Due Diligence Vendor-04/29/2026 <br> Open-XX- Due Diligence Vendor-04/29/2026 |  | Resolved-Final CD figures corrected. Resolved. - Due Diligence Vendor-05/05/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/05/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8957554 | N/A | N/A |
| 653 | XX | XX | XX |  |  | Closed | 2026-04-29 14:37 | 2026-04-29 14:37 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Secondary valuation considered from the Pg - 247. - Due Diligence Vendor-04/29/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Secondary valuation considered from the Pg - 247. - Due Diligence Vendor-04/29/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8957954 | Investor Post-Close | No |
| 659 | XX | XX | XX |  |  | Closed | 2026-05-12 08:12 | 2026-05-15 10:33 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-05/15/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-05/15/2026<br>|  |  |  | LA | Primary Residence | Refinance | Cash Out - Other | 9149324 | Investor Post-Close | No |
| 661 | XX | XX | XX |  |  | Closed | 2026-03-23 06:20 | 2026-03-30 14:41 | 2026-03-30 14:41 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-2/25/2026 COC provided. 02/11/2026 COC on lock confirmation. - Due Diligence Vendor-03/30/2026 <br>Resolved-XX- Due Diligence Vendor-03/30/2026 <br>Resolved-XX- Due Diligence Vendor-03/30/2026 <br>Open-XX- Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. Please see attached COC. - Investor-03/30/2026 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($11,225.00). The actual total fee amount shows a credit amount of ($10,829.28). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). lender credit decreased no valid coc available - Due Diligence Vendor-03/23/2026 <br>Open-XX- Due Diligence Vendor-03/23/2026 <br>Open-XX- Due Diligence Vendor-03/23/2026 |  | Resolved-2/25/2026 COC provided. 02/11/2026 COC on lock confirmation. - Due Diligence Vendor-03/30/2026 <br>Resolved- - Due Diligence Vendor-03/30/2026<br>| XX |  |  | WI | Primary Residence | Refinance | Cash Out - Other | 8260753 | N/A | N/A |
| 661 | XX | XX | XX |  |  | Closed | 2026-03-23 06:20 | 2026-03-30 14:41 | 2026-03-30 14:41 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-2/25/2026 COC provided. 02/11/2026 COC on lock confirmation. - Due Diligence Vendor-03/30/2026 <br>Resolved-XX- Due Diligence Vendor-03/30/2026 <br>Resolved-XX- Due Diligence Vendor-03/30/2026 <br>Open-XX- Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. Please see attached COC. - Investor-03/30/2026 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($11,225.00). The Last CD shows a total lender credit amount of ($10,829.28). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). lender credit decreased no valid coc available - Due Diligence Vendor-03/23/2026 <br>Open-XX- Due Diligence Vendor-03/23/2026 <br>Open-XX- Due Diligence Vendor-03/23/2026 |  | Resolved-2/25/2026 COC provided. 02/11/2026 COC on lock confirmation. - Due Diligence Vendor-03/30/2026 <br>Resolved- - Due Diligence Vendor-03/30/2026<br>| XX |  |  | WI | Primary Residence | Refinance | Cash Out - Other | 8260752 | N/A | N/A |
| 661 | XX | XX | XX |  |  | Closed | 2026-03-23 06:20 | 2026-03-30 14:40 | 2026-03-30 14:40 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XX) | Resolved-2/25/2026 COC provided. 02/11/2026 COC on lock confirmation. - Due Diligence Vendor-03/30/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/30/2026 <br>Open-XX- Due Diligence Vendor-03/30/2026 <br>Open-XX- Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. Please see attached COC. - Seller-03/30/2026 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Broker fees increased no valid COC available - Due Diligence Vendor-03/23/2026 <br>Open-XX- Due Diligence Vendor-03/23/2026 <br>Open-XX- Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. Please see attached COC. - Seller-03/30/2026<br>| Resolved-2/25/2026 COC provided. 02/11/2026 COC on lock confirmation. - Due Diligence Vendor-03/30/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/30/2026<br>| XX |  |  | WI | Primary Residence | Refinance | Cash Out - Other | 8260755 | N/A | N/A |
| 661 | XX | XX | XX |  |  | Closed | 2026-03-23 06:20 | 2026-03-30 14:40 | 2026-03-30 14:40 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XX) | Resolved-2/25/2026 COC provided. 02/11/2026 COC on lock confirmation. - Due Diligence Vendor-03/30/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/30/2026 <br>Open-XX- Due Diligence Vendor-03/30/2026 <br>Open-XX- Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. Please see attached COC. - Investor-03/30/2026 <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Broker fees increased no valid COC available - Due Diligence Vendor-03/23/2026 <br>Open-XX- Due Diligence Vendor-03/23/2026 <br>Open-XX- Due Diligence Vendor-03/23/2026 |  | Resolved-2/25/2026 COC provided. 02/11/2026 COC on lock confirmation. - Due Diligence Vendor-03/30/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/30/2026<br>| XX |  |  | WI | Primary Residence | Refinance | Cash Out - Other | 8260754 | N/A | N/A |
| 661 | XX | XX | XX |  |  | Closed | 2026-03-23 06:08 | 2026-03-30 14:00 | 2026-03-30 14:00 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Final Title received. Resolved. - Due Diligence Vendor-03/30/2026 <br> Resolved-Title Document is not Missing - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. Please see attached final title policy. - Investor-03/27/2026 <br> Open-Title Document is missing - Due Diligence Vendor-03/23/2026 |  | Resolved-Final Title received. Resolved. - Due Diligence Vendor-03/30/2026 <br>Resolved-Title Document is not Missing - Due Diligence Vendor-03/30/2026<br>| XX |  |  | WI | Primary Residence | Refinance | Cash Out - Other | 8260649 | N/A | N/A |
| 661 | XX | XX | XX |  |  | Closed | 2026-03-23 06:18 | 2026-03-30 13:58 | 2026-03-30 13:58 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Email from insurance agent confirming RCE received. Resolved. - Due Diligence Vendor-03/30/2026 <br> Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. rce - Investor-03/26/2026 <br> Open-Hazard Insurance Coverage Amount of $XX is less than Total Amount of Subject Lien(s) of $XX Hazard coverage amount is less than loan amount - Due Diligence Vendor-03/23/2026 |  | Resolved-Email from insurance agent confirming RCE received. Resolved. - Due Diligence Vendor-03/30/2026 <br> Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-03/30/2026 | XX |  |  | WI | Primary Residence | Refinance | Cash Out - Other | 8260736 | N/A | N/A |
| 661 | XX | XX | XX |  |  | Closed | 2026-03-23 06:32 | 2026-03-23 06:32 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-03/23/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-03/23/2026<br>|  |  |  | WI | Primary Residence | Refinance | Cash Out - Other | 8260860 | Investor Post-Close | No |
| 662 | XX | XX | XX |  |  | Closed | 2026-05-15 09:32 | 2026-05-22 18:54 | 2026-05-22 18:54 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Thank you for providing the updated hazard policy with the correct dates. Resolved. - Due Diligence Vendor-05/22/2026 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. Please see attached policy. - Buyer-05/22/2026 <br> Open-Missing Hazard Insurance Policy Hazard Insurance Policy effective date is 5XX/2026 which not covering from 5/XX/2026 because CD reflects disbursement date as 5/XX/2026 but hazard insurance policy covering date from 5/XX/2026 hence condition added. - Due Diligence Vendor-05/15/2026 |  | Resolved-Thank you for providing the updated hazard policy with the correct dates. Resolved. - Due Diligence Vendor-05/22/2026 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/22/2026<br>| XX |  |  | OK | Investment | Purchase | NA | 9219126 | N/A | N/A |
| 663 | XX | XX | XX |  |  | Closed | 2026-03-20 09:27 | 2026-04-29 15:31 | 2026-04-29 15:31 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Thank you for providing the PUD Rider. Resolved. - Due Diligence Vendor-04/29/2026 <br>Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-04/29/2026 <br>Ready for Review-Document Uploaded. full mortgage - Buyer-04/29/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-03/20/2026 |  | Resolved-Thank you for providing the PUD Rider. Resolved. - Due Diligence Vendor-04/29/2026 <br>Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-04/29/2026<br>| XX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 8236458 | N/A | N/A |
| 664 | XX | XX | XX |  |  | Closed | 2026-03-05 07:23 | 2026-04-22 11:31 | 2026-04-22 11:31 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-04/22/2026 <br>Ready for Review-Recorded Mortgage with PUD Rider received. Resolved. - Due Diligence Vendor-04/22/2026 <br>Ready for Review-Document Uploaded. recorded mortgage - Buyer-04/21/2026 <br>Open-Missing Mortgage Riders – PUD Rider HOA fees mention on 1008 & 1004 but on the DOT PUD rider not mentioned. Also, PUD rider is missing. - Due Diligence Vendor-03/05/2026 |  | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-04/22/2026<br>| XX |  |  | GA | Investment | Refinance | Cash Out - Other | 7940393 | N/A | N/A |
| 664 | XX | XX | XX |  |  | Closed | 2026-03-05 07:35 | 2026-03-27 13:07 | 2026-03-27 13:07 | Resolved | 1 - Information | Credit | Missing Doc | Missing Rent Loss Coverage | Resolved-Rent Loss Coverage provided - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Document Uploaded. Per USAA the rent loss coverage is listed under "other Structures" see attached - Investor-03/26/2026 <br>Counter-The hazard policy in the file specifically states the policy has $0.00 rent loss coverage. Provide attestation from insurance agent specifically stating the amount of rent loss coverage included in the other structures endorsement. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. Per USAA the rent loss coverage is listed under "other Structures" - Buyer-03/23/2026 <br>Open-Hazard Insurance Policy does not reflect rent loss coverage. - Due Diligence Vendor-03/05/2026 |  | Resolved-Rent Loss Coverage provided - Due Diligence Vendor-03/27/2026<br>| XX |  |  | GA | Investment | Refinance | Cash Out - Other | 7940602 | N/A | N/A |
| 665 | XX | XX | XX |  |  | Closed | 2026-04-30 09:35 | 2026-05-06 15:06 | 2026-05-06 15:06 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Lender provided borrower ID - Due Diligence Vendor-05/06/2026 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-05/06/2026 <br>Ready for Review-Document Uploaded. ID - Buyer-05/06/2026 <br>Open-Missing Borrower Identification - Borrower 1. Document Missing - Due Diligence Vendor-04/30/2026 |  | Resolved-Lender provided borrower ID - Due Diligence Vendor-05/06/2026 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-05/06/2026<br>| XX |  |  | TX | Investment | Purchase | NA | 8970519 | N/A | N/A |
| 665 | XX | XX | XX |  |  | Closed | 2026-04-30 13:07 | 2026-05-04 11:02 |  | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P Value within tolerance - Due Diligence Vendor-05/04/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P Value within tolerance - Due Diligence Vendor-05/04/2026<br>|  |  |  | TX | Investment | Purchase | NA | 8976142 | Investor Post-Close | No |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 32 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 73.62 | 73.61 | Audit Value of Subject Lien / Qualifying Value |
| 32 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 73.62 | 73.61 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 39 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 72.71 | 0.73 | Audit Value of Subject Lien / Qualifying Value |
| 39 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 72.71 | 0.73 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 45 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 72.04 | 0.72 | Rounding |
| 51 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 45.54 | 0.46 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 54 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 77.51 | 0.78 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 54 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 77.51 | 0.78 | Audit Value of Subject Lien / Qualifying Value |
| 55 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 15.24 | 0.15 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 55 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 15.24 | 0.15 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 57 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 65.95 | 0.66 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 62 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 66.67 | 0.67 | Audit Value of Subject Lien / Qualifying Value |
| 62 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 66.67 | 0.67 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 76 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 64.88 | 0.65 | Audit Value of Subject Lien / Qualifying Value |
| 76 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 64.88 | 0.65 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 89 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 51.02 | 0.51 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 89 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 51.02 | 0.51 | Audit Value of Subject Lien / Qualifying Value |
| 126 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 72.79 | 0.73 | Audit Value of Subject Lien / Qualifying Value |
| 126 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 72.79 | 0.73 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 127 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 63.43 | 0.63 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 127 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 63.43 | 0.63 | Audit Value of Subject Lien / Qualifying Value |
| 130 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 68.75 | 0.69 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 130 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 68.75 | 0.69 | Audit Value of Subject Lien / Qualifying Value |
| 143 | XX |  |  | XX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit Value Pulled From Appraisal. |
| 149 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 68.44 | 0.68 | Audit Value of Subject Lien / Qualifying Value - rounding |
| 149 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 68.44 | 0.68 | Audit Value of 1st + 2nd lien / Qualifying Value - rounding |
| 149 | XX |  |  | XX | Qualifying Amortization Term | notePage | 240 | 360 | Audit Value Pulled From Note. |
| 160 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 67.48 | 0.67 | Audit Value of Subject Lien / Qualifying Value. |
| 160 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 67.48 | 0.67 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 205 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 44.72 | 0.45 | Audit Value of Subject Lien / Qualifying Value |
| 205 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 44.72 | 0.45 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 205 | XX |  |  | XX | Qualifying Amortization Term | notePage | 240 | 360 | Audit Value Pulled From Note. |
| 206 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 63.55 | 0.64 | Audit Value of Subject Lien / Qualifying Value |
| 206 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 63.55 | 0.64 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 226 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 54.78 | 0.55 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 228 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 39.42 | 0.39 | Audit Value of Subject Lien / Qualifying Value |
| 228 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 39.42 | 0.39 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 231 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 61.87 | 0.62 | Audit Value of Subject Lien / Qualifying Value |
| 231 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 61.87 | 0.62 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 233 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 69.13 | 0.69 | Audit Value of Subject Lien / Qualifying Value |
| 233 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 69.13 | 0.69 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 245 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 74.48 | 0.74 | Audit Value of Subject Lien / Qualifying Value |
| 245 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 74.48 | 0.74 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 248 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 74.36 | 0.74 | Audit value of 1st + 2nd lien / qualifying value |
| 248 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 74.36 | 0.74 | Audit value of subject lien / qualifying value |
| 249 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 70.59 | 0.71 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 249 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 70.59 | 0.71 | Audit Value of Subject Lien / Qualifying Value |
| 257 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 68.8 | 0.69 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 257 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 68.8 | 0.69 | Audit Value of Subject Lien / Qualifying Value |
| 263 | XX |  |  | XX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit value consider from Appraisal |
| 276 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 51.85 | 0.52 | Audit Value of Subject Lien / Qualifying Value |
| 276 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 51.85 | 0.52 | Audit Value of 1st + 2nd lien HELOC / Qualifying Value |
| 278 | XX |  |  | XX | Qualifying Amortization Term | notePage | 240 | 360 | Audit Value Pulled From Note |
| 283 | XX |  |  | XX | Qualifying Amortization Term | notePage | 240 | 360 | Audit Value Pulled From Note. |
| 291 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 74.97 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 296 | XX |  |  | XX | Qualifying Amortization Term | notePage | 240 | 360 | As per note loan is interest only hence data discrepancy will there. |
| 297 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 69.96 | 0.70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 312 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 54.34 | 0.54 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 312 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 54.34 | 0.54 | Audit Value of Subject Lien / Qualifying Value |
| 324 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 69.33 | 0.69 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 327 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 79.26 | 0.79 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 330 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 74.87 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 334 | XX |  |  | XX | Property Type | propertyValuationPage | Single Family Detached | PUD | Property type updated as per valuation document |
| 352 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 73.91 | 0.74 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 352 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 73.91 | 0.74 | Audit Value of Subject Lien / Qualifying Value |
| 355 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 71.89 | 0.72 | Audit Value of Subject Lien / Qualifying Value |
| 358 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 66.14 | 0.66 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 358 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 66.14 | 0.66 | Audit Value of Subject Lien / Qualifying Value |
| 361 | XX |  |  | XX | Property City | notePage | XX | XX | Audit value updated as per Note document. |
| 363 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 54.59 | 0.55 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 370 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 78.8 | 0.79 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 370 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 78.8 | 0.79 | Audit Value of Subject Lien / Qualifying Value |
| 370 | XX |  |  | XX | Qualifying Amortization Term | notePage | 240 | 360 | Audited data updated as per NOTE |
| 380 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 65.05 | 0.65 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 401 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 45.34 | 0.45 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 451 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 44.12 | 0.44 | Audit Value of Subject Lien / Qualifying Value |
| 451 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 44.12 | 0.44 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 453 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 40.96 | 0.41 | Audit Value of Subject Lien / Qualifying Value |
| 453 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 40.96 | 0.41 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 457 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 62.72 | 0.63 | Audit Value of Subject Lien / Qualifying Value. |
| 457 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 62.72 | 0.63 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 459 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 57.45 | 0.57 | Audit Value of Subject Lien / Qualifying Value |
| 459 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 57.45 | 0.57 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 467 | XX |  |  | XX | Qualifying Amortization Term | notePage | 240 | 360 | Audit value pulled from Note |
| 476 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 61.92 | 0.62 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 476 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 61.92 | 0.62 | Audit Value of Subject Lien / Qualifying Value |
| 505 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 46.73 | 0.47 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 516 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 64.05 | 0.64 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 518 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 78.2 | 0.78 | Audit Value of Subject Lien / Qualifying Value |
| 518 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 78.2 | 0.78 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 523 | XX |  |  | XX | Qualifying Amortization Term | notePage | 240 | 360 | Audit Value Pulled From Note. |
| 539 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 58.82 | 0.59 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 539 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 58.82 | 0.59 | Audit Value of Subject Lien / Qualifying Value |
| 549 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 43.73 | 0.44 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 550 | XX |  |  | XX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit Value Pulled From Appraisal.<br>|
| 559 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 53.02 | 0.53 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 559 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 53.02 | 0.53 | Audit Value of Subject Lien / Qualifying Value |
| 564 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 43.06 | 0.43 | Audit Value of Subject Lien / Qualifying Value |
| 564 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 43.06 | 0.43 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 573 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 584 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 91.43 | 80.00 | Audit Value of Subject Lien / Qualifying Value |
| 584 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 91.43 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 587 | XX |  |  | XX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit value pulled from documents located in the loan file. |
| 596 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 67.5 | 0.68 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 596 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 67.5 | 0.68 | Audit Value of Subject Lien / Qualifying Value |
| 600 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 66.03 | 0.66 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 600 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 66.03 | 0.66 | Audit Value of Subject Lien / Qualifying Value |
| 607 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 50.62 | 0.51 | Rounding |
| 607 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 50.62 | 0.51 | XX |
| 615 | XX |  |  | XX | Property Type | propertyValuationPage | Townhouse | PUD | Property Type "townhouse" based on ASF definition |
| 616 | XX |  |  | XX | Qualifying Amortization Term | notePage | 240 | 360 | Audited data pulled from Note Doc. |
| 636 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 58.82 | 0.59 | Audit Value of Subject Lien / Qualifying Value |
| 636 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 58.82 | 0.59 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 636 | XX |  |  | XX | Qualifying Amortization Term | notePage | 240 | 360 | Audit Value Pulled From Note. |
| 641 | XX |  |  | XX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit Value Pulled From Appraisal. |
| 652 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 54.48 | 0.54 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 663 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 48.47 | 48.48 | Audit Value of Subject Lien / Qualifying Value |
| 663 | XX |  |  | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| 663 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 48.47 | 48.48 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 664 | XX |  |  | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| 667 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 20.08 | 0.20 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 667 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 20.08 | 0.20 | Audit Value of Subject Lien / Qualifying Value |
| 670 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 47.98 | 0.48 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 670 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 47.98 | 0.48 | Audit Value of Subject Lien / Qualifying Value. |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 30 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.805 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 54760.81 | N/A | Employed |  | No |  | No |  |
| 32 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.952 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2243.33 | N/A | Employed |  | No |  | No |  |
| 39 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.826 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23359.4 | N/A | Employed | Employed | No | No | No |  |
| 44 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 45 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.973 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 81840.75 | N/A | Employed | Retired | No | No | No |  |
| 51 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.695 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5250.6 | N/A | Employed | Employed | No | No | No |  |
| 53 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.725 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18292.6 | N/A | Employed |  | No |  | No |  |
| 54 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.867 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4061.08 | N/A | Employed |  | No |  | No |  |
| 55 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.69 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22447.36 | N/A | Employed | Employed | No | No | No |  |
| 57 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.316 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9175.93 | N/A | Employed |  | No |  | No |  |
| 59 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.247 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4597.68 | N/A | Employed |  | No |  | No |  |
| 62 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 44186.34 | N/A | Employed |  | No |  | Yes | Present |
| 63 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 65 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14818.8 | N/A | Employed |  | No |  | No |  |
| 66 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2218.85 | N/A | Retired |  | No |  | Yes | Present |
| 68 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.08 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 54986.89 | N/A | Employed |  | No |  | No |  |
| 69 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.745 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11584.45 | N/A | Employed | Not Employed | No | No | No |  |
| 70 | XX |  |  | XX |  | Non-QM: Lender documented all ATR UW factors | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.759 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34759.92 | N/A | Employed |  | No |  | No |  |
| 71 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 73 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.968 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 80148.62 | N/A | Employed |  | No |  | No |  |
| 75 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6422.94 | N/A | Employed |  | No |  | Yes | Present |
| 76 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.402 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8491.8 | N/A | Employed |  | No |  | Yes | Present |
| 84 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.631 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 175257.48 | N/A | Employed | Not Employed | No | No | No |  |
| 89 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.097 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10843.03 | N/A | Not Employed | Employed | No | No | No |  |
| 93 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.117 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13716.94 | N/A | Employed |  | No |  | No |  |
| 94 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.186 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 211896.11 | N/A | Employed |  | No |  | No |  |
| 95 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 100 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 102 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 105 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 27096.61 | N/A | Employed | Employed | No | No | Yes | Present |
| 107 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 70579.63 | N/A | Not Employed | Employed | No | No | No |  |
| 113 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 126 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.929 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 224631.12 | N/A | Employed |  | No |  | No |  |
| 127 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.708 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 225535.96 | N/A | Employed | Employed | No | No | No |  |
| 129 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4960.35 | N/A | Employed |  | No |  | Yes | Present |
| 130 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 135 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 136 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 138 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 140 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.962 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25443.51 | N/A | Employed |  | No |  | No |  |
| 143 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5027.57 | N/A | Employed |  | No |  | Yes | Present |
| 145 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.835 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6399.7 | N/A | Employed |  | No |  | No |  |
| 149 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 156 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 160 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.706 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 81745.14 | N/A | Employed |  | No |  | No |  |
| 162 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 119361.64 | N/A | Employed |  | No |  | Yes | Present |
| 163 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 205 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.737 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14805.71 | N/A | Employed |  | No |  | No |  |
| 206 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.592 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14025.06 | N/A | Employed |  | No |  | No |  |
| 207 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19255.66 | N/A | Employed |  | No |  | Yes | Present |
| 208 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 211 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 214 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.711 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 100966.79 | N/A | Employed |  | No |  | No |  |
| 219 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1937462.47 | N/A | Employed |  | No |  | Yes | Present |
| 220 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 221 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.616 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7078 | N/A | Employed |  | No |  | No |  |
| 226 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.856 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15008.12 | N/A | Employed |  | No |  | No |  |
| 228 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.276 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4032.67 | Yes | Employed |  | No |  | No |  |
| 230 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.867 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14700.44 | N/A | Employed |  | No |  | No |  |
| 231 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.141 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14272.45 | N/A | Employed |  | No |  | No |  |
| 233 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.963 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3292.75 | N/A | Employed |  | No |  | No |  |
| 241 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.16 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3149.55 | N/A | Employed |  | No |  | No |  |
| 245 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.015 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6408.52 | N/A | Employed |  | No |  | No |  |
| 248 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.867 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14695.05 | Yes | Employed |  | No |  | No |  |
| 249 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.538 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10106.15 | N/A | Employed | Retired | No | No | No |  |
| 250 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 257 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.971 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 67721.96 | N/A | Employed |  | No |  | No |  |
| 259 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 263 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.583 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4162.42 | N/A | Employed |  | No |  | No |  |
| 266 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.631 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16857.01 | N/A | Employed |  | No |  | No |  |
| 276 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 278 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 279 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.05 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34356.11 | N/A | Employed |  | No |  | No |  |
| 279 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.714 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7597.33 | N/A | Employed |  | No |  | No |  |
| 283 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.338 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 983385.91 | N/A | Employed |  | No |  | No |  |
| 288 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.087 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2297.16 | N/A | Retired |  | No |  | No |  |
| 290 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 291 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.551 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8536.81 | N/A | Employed |  | No |  | No |  |
| 292 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3857.77 | N/A | Employed |  | No |  | No |  |
| 294 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 295 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8511.51 | N/A | Employed | Employed | No | No | No |  |
| 296 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.823 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24777.18 | N/A | Employed |  | No |  | No |  |
| 297 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.189 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 727260.41 | N/A | Employed |  | No |  | No |  |
| 298 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 303 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.398 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14306.67 | N/A | Retired |  | No |  | No |  |
| 304 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 305 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.602 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 147106.64 | Yes | Employed |  | No |  | No |  |
| 307 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 67193.51 | N/A | Employed |  | No |  | No |  |
| 308 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.917 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 62868.94 | N/A | Employed |  | No |  | No |  |
| 311 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 312 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4916.29 | N/A | Employed |  | No |  | No |  |
| 316 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.84 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6679.3 | N/A | Not Employed | Not Employed | No | No | No |  |
| 319 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 320 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.093 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5361.5 | N/A | Employed | Employed | No | No | No |  |
| 324 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.816 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15064.72 | N/A | Employed |  | No |  | No |  |
| 327 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.634 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29237.31 | N/A | Employed |  | No |  | No |  |
| 330 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.342 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 60922.23 | N/A | Employed |  | No |  | No |  |
| 334 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.844 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24119.45 | N/A | Retired | Employed | No | No | No |  |
| 336 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 338 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.07 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26892.4 | N/A | Employed |  | No |  | No |  |
| 341 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.362 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18297.72 | N/A | Employed |  | No |  | No |  |
| 346 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 349 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.367 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11531.83 | N/A | Employed |  | No |  | No |  |
| 352 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.677 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20095.67 | N/A | Employed |  | No |  | No |  |
| 355 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 77479.88 | N/A | Employed |  | No |  | Yes | Present |
| 358 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 359 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 361 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.513 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5961.22 | N/A | Employed |  | No |  | No |  |
| 363 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.157 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 106370.36 | N/A | Employed |  | No |  | No |  |
| 365 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.634 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10338.35 | N/A | Employed |  | No |  | No |  |
| 368 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 370 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.638 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37450.41 | N/A | Employed |  | No |  | No |  |
| 372 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 35072.44 | N/A | Employed | Employed | No | No | Yes | Present |
| 376 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.232 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6634.2 | N/A | Employed |  | No |  | No |  |
| 380 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 386 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 389 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.231 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 85785.56 | N/A | Employed |  | No |  | No |  |
| 392 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.482 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7071.89 | N/A | Employed |  | No |  | No |  |
| 393 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.827 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 142812.95 | N/A | Employed |  | No |  | No |  |
| 395 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 397 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.291 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 80844.99 | N/A | Employed |  | No |  | No |  |
| 398 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18910.98 | N/A | Employed | Employed | No | No | No |  |
| 399 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.383 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37877.52 | N/A | Employed |  | No |  | No |  |
| 401 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.172 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 169378.64 | N/A | Employed |  | No |  | No |  |
| 402 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 408 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.723 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6877.73 | N/A | Employed |  | No |  | No |  |
| 409 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 414 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 416 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 420 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.564 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7070.88 | N/A | Employed |  | No |  | No |  |
| 424 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.007 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 89776.83 | N/A | Employed |  | No |  | No |  |
| 428 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.773 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6483.69 | Yes | Retired |  | No |  | No |  |
| 432 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.619 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6991.7 | N/A | Employed | Not Employed | No | No | No |  |
| 440 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 445 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 448 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 451 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.892 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16223.93 | N/A | Employed |  | No |  | No |  |
| 453 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.721 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8175.25 | N/A | Employed |  | No |  | No |  |
| 456 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.061 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 262723.01 | N/A | Employed |  | No |  | No |  |
| 457 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.622 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33903.99 | N/A | Employed |  | No |  | No |  |
| 459 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.992 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6808.65 | N/A | Employed |  | No |  | No |  |
| 460 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15276.72 | N/A | Employed | Employed | No | No | Yes | Present |
| 462 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 258007.89 | N/A | Employed |  | No |  | Yes | Present |
| 464 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 466 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21778.13 | N/A | Employed |  | No |  | Yes | Present |
| 467 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 468 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.543 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4678.64 | N/A | Employed |  | No |  | No |  |
| 470 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.112 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3635.48 | N/A | Employed |  | No |  | No |  |
| 471 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 45519.44 | N/A | Employed | Employed | No | No | No |  |
| 472 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.141 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17549.73 | N/A | Employed |  | No |  | No |  |
| 476 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.652 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17339.92 | N/A | Employed |  | No |  | No |  |
| 479 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.65 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15174.24 | N/A | Employed | Employed | No | No | No |  |
| 483 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 490 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 491 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 495 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.192 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9662.42 | N/A | Employed |  | No |  | No |  |
| 496 | XX |  |  | XX | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.548 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 98370.5 | N/A | Employed | Employed | No | No | No |  |
| 497 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11732.99 | N/A | Employed | Employed | No | No | Yes | Present |
| 500 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 501 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.702 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25837.49 | N/A | Employed |  | No |  | No |  |
| 502 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32665.66 | N/A | Employed |  | No |  | No |  |
| 503 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 505 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10477.75 | N/A | Employed |  | No |  | No |  |
| 508 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.141 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15067.31 | N/A | Employed |  | No |  | No |  |
| 510 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 511 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.178 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10990.19 | N/A | Employed |  | No |  | No |  |
| 514 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19832.15 | N/A | Employed |  | No |  | No |  |
| 516 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.726 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26662.46 | N/A | Employed |  | No |  | No |  |
| 517 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 26288.02 | N/A | Employed |  | No |  | Yes | Present |
| 518 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.601 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25724.05 | N/A | Employed |  | No |  | No |  |
| 520 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 523 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.901 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17705.67 | N/A | Employed |  | No |  | No |  |
| 524 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 525 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.337 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31562.96 | N/A | Employed |  | No |  | No |  |
| 528 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 529 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.041 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 295473.24 | N/A | Employed |  | No |  | No |  |
| 530 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.015 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 63303.67 | N/A | Employed |  | No |  | No |  |
| 531 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.332 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10128.96 | N/A | Employed |  | No |  | No |  |
| 534 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 535 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.007 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9873.39 | N/A | Employed |  | No |  | No |  |
| 536 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.417 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8692.02 | N/A | Employed |  | No |  | No |  |
| 539 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.945 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17240.25 | N/A | Retired | Employed | No | No | No |  |
| 543 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 545 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 546 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 549 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 139494.2 | N/A | Employed |  | No |  | No |  |
| 550 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 554 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.727 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37974.32 | N/A | Employed |  | No |  | No |  |
| 557 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 559 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.202 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12320.9 | N/A | Employed |  | No |  | No |  |
| 561 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.744 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6091.43 | N/A | Employed |  | No |  | No |  |
| 563 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5839 | N/A | Employed |  | No |  | Yes | Present |
| 564 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.716 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2666.44 | N/A | Retired | Retired | No | No | No |  |
| 566 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.955 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23240.41 | N/A | Employed |  | No |  | No |  |
| 569 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.201 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3259.14 | N/A | Employed |  | No | No | No |  |
| 572 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.889 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7523.48 | N/A | Employed | Employed | No | No | No |  |
| 573 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.143 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13718.89 | N/A | Employed | Employed | No | No | No |  |
| 574 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 576 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.582 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40691.07 | N/A | Not Employed | Employed | No | No | No |  |
| 579 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 29992 | N/A | Employed |  | No |  | Yes | Present |
| 580 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 582 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.884 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5362.27 | N/A | Employed |  | No |  | No |  |
| 584 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 585 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.371 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5673.19 | N/A | Retired |  | No |  | No |  |
| 586 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.959 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19835.24 | N/A | Employed |  | No |  | No |  |
| 587 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 589 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 591 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 594 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.938 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15119.08 | N/A | Employed |  | No |  | No |  |
| 596 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.733 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46848.44 | N/A | Employed | Employed | No | No | No |  |
| 599 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.07 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9295.35 | N/A | Employed | Not Employed | No | No | No |  |
| 600 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10139.15 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 604 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.933 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28731.43 | N/A | Employed |  | No |  | No |  |
| 606 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 607 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.422 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2171.7 | N/A | Retired |  | No |  | No |  |
| 610 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.304 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9545.39 | N/A | Retired |  | No |  | No |  |
| 614 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 615 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 616 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.563 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36828.55 | N/A | Not Employed | Employed | No | No | No |  |
| 618 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 619 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.286 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 60961.28 | N/A | Employed | Employed | No | No | No |  |
| 620 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 127265.05 | Yes | Employed |  | No |  | Yes | Present |
| 623 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.135 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 156438 | N/A | Employed | Not Employed | No | No | No |  |
| 627 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.209 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3270.93 | N/A | Employed |  | No |  | No |  |
| 628 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.426 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30601.26 | N/A | Employed |  | No |  | No |  |
| 629 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.431 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5360.05 | N/A | Employed | Employed | No | No | No |  |
| 633 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.358 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 49202.59 | N/A | Employed | Retired | No | No | No |  |
| 634 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 635 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.869 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3731.51 | N/A | Employed |  | No |  | No |  |
| 636 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.125 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22002.85 | N/A | Employed |  | No |  | No |  |
| 636 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 639 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.916 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12531.84 | N/A | Employed |  | No |  | No |  |
| 640 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 641 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 644 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.568 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7880.62 | N/A | Employed |  | No |  | No |  |
| 646 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.127 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10900.24 | N/A | Employed |  | No |  | No |  |
| 650 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.852 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35830.07 | N/A | Employed |  | No |  | No |  |
| 651 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 652 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.079 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5722.21 | N/A | Employed | Employed | No | No | No |  |
| 653 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.848 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6373.26 | N/A | Employed |  | No |  | No |  |
| 655 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18500 | Yes | Retired |  | No |  | No |  |
| 658 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7122.55 | N/A | Employed | Retired | No | No | Yes | Present |
| 659 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.488 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11513.39 | N/A | Employed |  | No |  | No |  |
| 661 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.414 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34729.89 | N/A | Employed | Retired | No | No | No |  |
| 662 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 663 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.024 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3758.93 | N/A | Employed |  | No |  | No |  |
| 664 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9876.74 | N/A | Retired | Employed | No | No | Yes | Present |
| 665 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 31602.54 | N/A | Employed |  | No |  | Yes | Present |
| 667 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.027 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6263.56 | Yes | Retired | Retired | No | No | No |  |
| 670 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.188 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3993.56 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_004.jpg)

![](ex99-3_001.jpg)

**June 18, 2026**<br> **Due Diligence Narrative Report** <br>

![](ex99-3_004.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** |

---

 ****

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 1 June 18, 2026

 ****

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |
| ![](ex99-3_003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of NewRez LLC, Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 68 residential loans. Rithm Capital Corp. subsequently selected these loans for the NRMLT 2026-NQM8 transaction.

The loans referenced in this narrative report were reviewed on a bulk and flow loan basis from August 2022 to May 2026. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 20 | 29.41% |
| Correspondent Bulk | 13 | 19.12% |
| Correspondent Flow with delegated underwriting | 16 | 23.53% |
| Retail | 19 | 27.94% |
| **Total** | **68** | **100.00%** |

---

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 2 June 18, 2026

![](ex99-3_004.jpg)

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

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

---

| | |
|:---|:---|
| Review scope | # of Files Reviewed |
| Credit Review | 68 |
| Property Valuation Review | 68 |
| Regulatory Compliance Review | 68 |
| Data Integrity Check | 68 |

---

Loan Grading

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

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

![](ex99-3_002.jpg)

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 3 June 18, 2026

![](ex99-3_004.jpg)

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 68 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared the loan documentation found in the loan file to the origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against
the stated seller origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed asset statements in order to determine that funds to close and reserves were within origination
guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed that credit scores (FICO) and credit histories were within origination guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed for condo warranty documentation, as applicable;

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment (68 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (68 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. It is noted that in this process, NewRez LLC provided Clayton a spreadsheet only of the results of the initial AVM's from HouseCanary. Clayton did not have independent access to the report nor the PDF files associated with each result. 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;&nbsp;&nbsp;&nbsp;&nbsp;· CU Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· AVM

&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;· 1004 / 1025 / 1073

For further detail please refer to the NRMLT 2026-NQM8 Valuations Summary Report

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 4 June 18, 2026

![](ex99-3_004.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 68 loans on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested for state-specific consumer protection laws including late charge and prepayment penalty provisions;

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

- Prepayment Penalty restrictions; and

QM/ATR Review: On applicable loans;, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau any loan subject to that regulation, as further described on <u>Appendix C</u> attached hereto.

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' with an Application Date => 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following, for loans other than 'Covered
Loans' and loans with an Application Date prior to 10/3/2015:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

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

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 5 June 18, 2026

![](ex99-3_004.jpg)

Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by Rithm Capital Corp.

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

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

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

State and Federal High Cost and Higher-Priced:

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

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

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

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

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

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 6 June 18, 2026

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Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 68 reviewed loans, by completing the following steps:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each discrepancy is reported in a Loan Level Tape Compare Upload.

Data Capture

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

**data Compare Results**

Clayton provided Rithm Capital Corp. with a copy of the Loan Level Tape Compare Upload which showed the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 68 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | **# of Loans** | **% Accuracy** |
| &nbsp;&nbsp;Appraisal Form Type | 11 | 83.82% |
| &nbsp;&nbsp;AUS Grade Audit | 8 | 88.24% |
| &nbsp;&nbsp;Borrower 1 First Name | 7 | 89.71% |
| &nbsp;&nbsp;Borrower 1 Last Name | 2 | 97.06% |
| &nbsp;&nbsp;Borrower 1 SSN | 7 | 89.71% |
| &nbsp;&nbsp;Borrower 2 First Name | 7 | 89.71% |
| &nbsp;&nbsp;Borrower 2 Last Name | 2 | 97.06% |
| &nbsp;&nbsp;Borrower 2 SSN | 7 | 89.71% |
| &nbsp;&nbsp;Cash Reserves | 17 | 75.00% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 6 | 91.18% |
| &nbsp;&nbsp;Documentation Type | 6 | 91.18% |
| &nbsp;&nbsp;GSE Eligible | 27 | 60.29% |
| &nbsp;&nbsp;Loan Purpose | 5 | 92.65% |
| &nbsp;&nbsp;Maturity Date | 1 | 98.53% |
| &nbsp;&nbsp;Occupancy Type | 1 | 98.53% |
| &nbsp;&nbsp;Original Appraisal Date | 1 | 98.53% |
| &nbsp;&nbsp;Original Appraised Value | 1 | 98.53% |
| &nbsp;&nbsp;Original Term | 3 | 95.59% |
| &nbsp;&nbsp;Origination Channel | 1 | 98.53% |
| &nbsp;&nbsp;Origination Date | 1 | 98.53% |
| &nbsp;&nbsp;Property Type | 9 | 86.76% |
| &nbsp;&nbsp;Property Zip | 4 | 94.12% |
| &nbsp;&nbsp;Total Cash Out | 1 | 98.53% |
| &nbsp;&nbsp;Total Monthly Income | 6 | 91.18% |

---

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 7 June 18, 2026

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**Clayton Due Diligence Results**

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

**<u>Initial and Final Overall Loan Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 34 | 1 | 15 | 15 | **65** |
| **Final** | **B** |  |  |  | 3 | **3** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **34** | **1** | **15** | **18** | **68** |

---

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

**<u>Initial and Final Credit Component Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 58 |  | 5 | 4 | **67** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **58** | **1** | **5** | **4** | **68** |

---

**<u>Initial and Final Property Valuation Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 49 |  | 8 | 10 | **67** |
| **Final** | **B** |  |  |  | 1 | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **49** | **0** | **8** | **11** | **68** |

---

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 8 June 18, 2026

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**<u>Initial and Final Regulatory Compliance Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 60 | 1 | 4 | 1 | **66** |
| **Final** | **B** |  |  |  | 2 | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **60** | **1** | **4** | **3** | **68** |

---

**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. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuation Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Loan Level Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. 15E Form

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 9 June 18, 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;▪ 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;▪ 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;▪ Tax returns

&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;▪ Paystubs

&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;▪ 1099

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 10 June 18, 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;▪ IRS documents

&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;▪ Lease agreements

&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;▪ 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;▪ Verification of deposits (VOD)

&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;▪ 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;▪ Gift funds

&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;▪ 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;▪ 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;▪ Fee simple

&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

&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;▪ Correct borrower

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

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 11 June 18, 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;▪ Correct lender

&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;▪ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

- Determined if mortgage insurance is required

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

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

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

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

E. Performed a DSCR review following the origination guidelines to arrive at a monthly property expense. This number is used as the denominator
to the monthly lease or estimated lease income. Clayton reviewed the applicable documentation and data to arrive at this ratio, including:

&nbsp;&nbsp;&nbsp;&nbsp;o Principal and interest payment

&nbsp;&nbsp;&nbsp;&nbsp;o Property taxes

&nbsp;&nbsp;&nbsp;&nbsp;o Insurance

&nbsp;&nbsp;&nbsp;&nbsp;o HOA payments

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 12 June 18, 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 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 13 June 18, 2026

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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;▪ 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;▪ % 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;▪ 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;▪ 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;▪ 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;▪ 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

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.

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 14 June 18, 2026

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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

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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)

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![](ex99-3_004.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.

&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.

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 17 June 18, 2026

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&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

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

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 18 June 18, 2026

**<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).

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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:

**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.

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 20 June 18, 2026

![](ex99-3_004.jpg)

**<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

NRMLT 2026-NQM8 Due Diligence Narrative Report Page \| 21 June 18, 2026

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans In Report:* | *68* | **Origination Values** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **AUS Information** |
| *Loans In Report:* |  | **Origination Values** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **AUS Information** |

---

---

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| Marketing ID | **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 (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **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** | **Diligence Loan ID** |
| 1 | XX |  | XX | XX | XX | (No Data) | XX | Property Inspection Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | $0.00 | 0.00% | XX | 4.900 | 95.10 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 2 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 0.00% | XX | 3.630 | 96.40 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XX |
| 3 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -0.75% | XX | 1.840 | 98.20 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 4 | XX |  | XX | $0.00 | XX | 08/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -3.82% | XX | 11.300 | 88.70 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 5 | XX |  | XX | $0.00 | XX | 10/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XX |  |  | 1/XX/2026 | XX | XX | -7.50% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 6 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -5.95% | XX | 6.180 | 93.80 |  | $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% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 7 | XX |  | XX | $0.00 | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XX |  |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 8 | XX |  | XX | XX | XX | (No Data) | XX | Property Inspection Waiver |  |  | Not Applicable | XX | $0.00 | 0.00% | Full Appraisal | 9/XX/2025 | XX | XX | 0.00% | XX | 1.500 | 98.50 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 9 | XX |  | XX | XX | XX | (No Data) | XX | Property Inspection Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 0.00% | XX | 18.900 | 81.10 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | 11/XX/2025 | XX | XX | 2.22% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 10 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 0.01% | XX | 4.940 | 95.10 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XX |
| 11 | XX |  | XX | XX | XX | (No Data) | XX | Property Inspection Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -1.19% | XX | 1.800 | 98.20 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 13 | XX |  | XX | XX | XX | 10/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 1/XX/2026 | XX | XX | -17.56% | XX | 23.700 | 76.27 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | 2/XX/2026 | XX | XX | 5.50% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 14 | XX |  | XX | $0.00 | XX | (No Data) | XX | Property Inspection Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  | 1/XX/2026 | XX | XX | 5.27% | XX | 6.700 | 93.30 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 15 | XX |  | XX | XX | XX | 10/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 1/XX/2026 | XX | XX | -0.12% | XX | 11.530 | 88.47 |  | $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% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | XX |
| 16 | XX |  | XX | XX | XX | 11/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 1/XX/2026 | XX | XX | -0.64% | XX | 5.500 | 94.50 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 | XX |
| 17 | XX |  | XX | XX | XX | 11/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 1/XX/2026 | XX | XX | -0.23% | XX | 1.410 | 98.59 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XX |
| 18 | XX |  | XX | XX | XX | 11/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 1/XX/2026 | XX | XX | -0.17% | XX | 3.110 | 96.89 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | XX |
| 19 | XX |  | XX | XX | XX | 10/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 1/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XX |
| 20 | XX |  | XX | $0.00 | XX | 10/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 1/XX/2026 | XX | XX | -1.91% | XX | 9.500 | 90.50 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XX |
| 20 | XX |  | XX | $0.00 | XX | 10/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 1/XX/2026 | XX | XX | -2.71% | XX | 16.700 | 83.27 | 1/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | XX |
| 21 | XX |  | XX | $0.00 | XX | 10/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 1/XX/2026 | XX | XX | -7.21% | XX | 16.300 | 83.69 | 1/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 | XX |
| 22 | XX |  | XX | $0.00 | XX | 11/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 1/XX/2026 | XX | XX | -4.78% | XX | 10.500 | 89.51 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XX |
| 23 | XX |  | XX | XX | XX | 10/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 1/XX/2026 | XX | XX | -2.16% | XX | 2.490 | 97.51 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XX |
| 24 | XX |  | XX | $0.00 | XX | 12/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 1/XX/2026 | XX | XX | 14.96% | XX | 6.680 | 93.32 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XX |
| 25 | XX |  | XX | XX | XX | 11/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 1/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 26 | XX |  | XX | XX | XX | 11/XX/2025 | XX | 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 | XX |
| 27 | XX |  | XX | XX | XX | 11/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 1/XX/2026 | XX | XX | -2.18% | XX | 3.750 | 96.25 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XX |
| 29 | XX |  | XX | XX | XX | 12/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 1/XX/2026 | XX | XX | 25.73% | XX | 36.080 | 63.92 | 1/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 61 | XX | XX | XX | $0.00 | XX | 03/XX/2026 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 77 | XX | XX | XX | $0.00 | XX | 03/XX/2026 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 4/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 79 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 87 | XX | XX | XX | $0.00 | XX | 04/XX/2026 | XX | 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% | 4/XX/2026 | XX | XX | 0.75% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 97 | XX | XX | XX | $0.00 | XX | 03/XX/2026 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 104 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 4/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 106 | XX | XX | XX | $0.00 | XX | 03/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 114 | XX | XX | XX | $0.00 | XX | 02/XX/2026 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 124 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 128 | XX | XX | XX | XX | XX | 02/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 2/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 141 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 4/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 148 | XX | XX | XX | $0.00 | XX | 03/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 4/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 151 | XX | XX | XX | XX | XX | 04/XX/2026 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 4/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 153 | XX | XX | XX | $0.00 | XX | 03/XX/2026 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 3/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 157 | XX | XX | XX | XX | XX | 04/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 4/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 161 | XX | XX | XX | $0.00 | XX | 02/XX/2026 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 2/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 165 | XX | XX | XX | XX | XX | 03/XX/2026 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 4/XX/2026 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 217 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 256 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | 9/XX/2025 | XX | XX | -0.19% | XX | 2.780 | 97.20 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 265 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 4.87% | XX | 11.300 | 88.70 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XX |
| 313 | XX | XX | XX | $0.00 | XX | 07/XX/2022 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 7/XX/2022 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 318 | XX | XX | XX | XX | XX | 05/XX/2022 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 6/XX/2022 | XX | XX | -8.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 324 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -1.50% | XX | 1.740 | 98.30 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XX |
| 339 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -1.78% | XX | 4.600 | 95.41 | 8/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 344 | XX | XX | XX | $0.00 | XX | 06/XX/2022 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | 7/XX/2022 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 353 | XX |  | XX | $0.00 | XX | 06/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -2.81% | XX | 15.000 | 85.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 371 | XX |  | XX | XX | XX | 08/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -1.11% | XX | 3.680 | 96.30 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XX |
| 378 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 0.02% | XX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 | XX |
| 391 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -20.05% | XX | 12.050 | 88.00 | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 | XX |
| 405 | XX |  | XX | $0.00 | XX | (No Data) | XX | Property Inspection Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -9.23% | XX | 11.200 | 88.80 |  | $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% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 406 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 1.58% | XX | 2.460 | 97.50 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 | XX |
| 452 | XX |  | XX | XX | XX | (No Data) | XX | Property Inspection Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 0.00% | XX | 11.300 | 88.70 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 454 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 2.91% | XX | 5.430 | 94.60 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XX |
| 473 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -1.67% | XX | 12.300 | 87.70 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XX |
| 485 | XX |  | XX | $0.00 | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | 5.75% | XX | 9.250 | 90.80 |  | $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% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 558 | XX |  | XX | $0.00 | XX | 06/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -16.22% | XX | 12.700 | 87.30 | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | XX |
| 565 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -3.56% | XX | 2.870 | 97.10 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | XX |
| 581 | XX |  | XX | XX | XX | 08/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -10.67% | XX | 9.490 | 90.50 | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | XX |
| 626 | XX |  | XX | XX | XX | 06/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -0.31% | XX | 4.070 | 95.90 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XX |
| 654 | XX |  | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | XX | -1.16% | XX | 4.340 | 95.70 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XX |

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*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 2**

**ATR QM Upload**

<br> *Loans in Report:* *68*

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| Marketing ID | **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** | **Full Diligence ID** |
| 1 | XX | XX | (No Data) | XX | WA | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6680 | Yes | Yes | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.63 | 25.63 | 25.63 | 25.63 | 25.63 | 25.63 | No | No | (No Data) | 12528.57 | 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 Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 2 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.9900 | No | No | 0 | (No Data) | No | Yes | 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 | 47.16 | 0 | 47.16 | 47.16 | 47.16 | (No Data) | (No Data) | (No Data) | 9100.92 | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 6 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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) | 1099 - 24 months | Written VOE - 6 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 3 | XX | XX | (No Data) | XX | NV | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.78 | 0 | 44.78 | 44.78 | 44.78 | (No Data) | (No Data) | (No Data) | 7580.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 4 | XX | XX | (No Data) | XX | NJ | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0710 | Yes | Yes | 0.599 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.8 | 28.98 | 20.8 | 28.98 | 28.98 | 28.98 | No | No | (No Data) | 13702.99 | 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) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Personal Tax Return - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 5 | XX | XX | (No Data) | XX | ID | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.5000 | No | No | 0 | (No Data) | No | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 46.05 | 0 | 46.05 | 46.05 | 46.05 | (No Data) | (No Data) | (No Data) | 7127.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 36 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) | XX |
| 6 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 5.2240 | Yes | No | 2.46 | (No Data) | No | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 36.63 | 0 | 36.63 | 36.63 | 36.63 | (No Data) | (No Data) | (No Data) | 13096.69 | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) | XX |
| 7 | XX | XX | (No Data) | XX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9900 | No | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 45.43 | 0 | 45.43 | 45.43 | 45.43 | (No Data) | (No Data) | (No Data) | 14059.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 8 | XX | XX | (No Data) | XX | AZ | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9329 | Yes | Yes | 0.466 | 1.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.8 | 33.8 | 33.8 | 33.8 | 33.8 | 33.8 | No | No | (No Data) | 5645.18 | Yes | 240 | Yes | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | 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) | Award Letter - 12 months | Award Letter - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 9 | XX | XX | (No Data) | XX | MI | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0767 | Yes | Yes | 0.62 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.24 | 28.24 | 28.24 | 28.24 | 28.24 | 28.24 | No | No | (No Data) | 14390.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 31 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 Data) | 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;<br> Written VOE - 31 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) | XX |
| 10 | XX | XX | (No Data) | XX | MA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.3209 | Yes | No | 1.721 | (No Data) | No | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 27.71 | 0 | 27.71 | 27.71 | 27.71 | (No Data) | (No Data) | (No Data) | 6082.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 11 | XX | XX | (No Data) | XX | SC | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.4979 | No | No | 0.983 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44 | 43.18 | 44 | 43.18 | 43.18 | 43.18 | No | No | (No Data) | 5386.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 13 | XX | XX | (No Data) | XX | WI | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9968 | Yes | Yes | 0.039 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37 | 36.55 | 37 | 36.55 | 36.55 | 36.55 | No | No | (No Data) | 18769.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 14 | XX | XX | (No Data) | XX | CO | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1594 | Yes | Yes | 0.27 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27 | 27.48 | 27 | 27.48 | 27.48 | 27.48 | No | No | (No Data) | 30291.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 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) | XX |
| 15 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0000 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 11.35 | 0 | 11.35 | 11.35 | 11.35 | (No Data) | (No Data) | (No Data) | 49739.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | 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 Data) | 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 - 3 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 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) | XX |
| 16 | XX | XX | (No Data) | XX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 31.54 | 0 | 31.54 | 31.54 | 31.54 | (No Data) | (No Data) | (No Data) | 23696.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 4 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> Business Tax Return - 12 months;<br> Paystub - 4 months;<br> W2 - 24 months | Business Tax Return - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 17 | XX | XX | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9900 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 24.84 | 0 | 24.84 | 24.84 | 24.84 | (No Data) | (No Data) | (No Data) | 10618.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) | XX |
| 18 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.9901 | Yes | No | 0 | (No Data) | No | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 31.27 | 0 | 31.27 | 31.27 | 31.27 | (No Data) | (No Data) | (No Data) | 40334.75 | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 19 | XX | XX | (No Data) | XX | ID | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4177 | Yes | Yes | 1.529 | 1.529 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.18 | 15.19 | 20.18 | 15.19 | 15.19 | 15.19 | No | No | (No Data) | 101533.75 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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) | Yes | 0 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 0 months;<br> Personal Tax Return - 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) | XX |
| 20 | XX | XX | (No Data) | XX | FL | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 8.1716 | No | No | 2.761 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.96 | 46.56 | 46.96 | 46.56 | 46.56 | 46.56 | No | No | (No Data) | 3909.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 24 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 20 | XX | XX | (No Data) | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 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 | 6.1484 | No | No | 1.693 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.69 | 46.86 | 45.69 | 46.86 | 46.86 | 46.86 | No | No | (No Data) | 10178.4 | 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 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 | 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) | 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) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | CPA Letter - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 21 | XX | XX | (No Data) | XX | NC | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | 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 | 6.6509 | No | No | 0.28 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.74 | 47.76 | 45.74 | 47.76 | 47.76 | 47.76 | No | No | (No Data) | 15044.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 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) | XX |
| 22 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.5000 | Yes | No | 0 | (No Data) | No | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.81 | 0 | 39.81 | 39.81 | 39.81 | (No Data) | (No Data) | (No Data) | 6219.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 23 | XX | XX | (No Data) | XX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.9900 | Yes | No | 0 | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 26.26 | 0 | 26.26 | 26.26 | 26.26 | (No Data) | (No Data) | (No Data) | 15711.43 | 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 | FMNA 1005 | 24 | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (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 - 24 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 24 | XX | XX | (No Data) | XX | MD | QM: Rebuttable Presumption (APOR) | No | Present | QM: Rebuttable Presumption (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0222 | Yes | Yes | 0.232 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.44 | 20.63 | 21.44 | 20.63 | 20.63 | 20.63 | No | No | (No Data) | 48888.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 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) | XX |
| 25 | XX | XX | (No Data) | XX | NC | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 5.5940 | No | No | 2.563 | 2.563 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.34 | 45.01 | 45.34 | 45.01 | 45.01 | 45.01 | No | No | (No Data) | 5393.69 | 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 | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 26 | XX | XX | (No Data) | XX | TX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | 0.398 | Yes | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.89 | 49.65 | 48.89 | 49.65 | 49.65 | 49.65 | No | No | (No Data) | 11290.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 1 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) | XX |
| 27 | XX | XX | (No Data) | XX | ME | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6550 | Yes | Yes | 0.208 | 0.208 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.85 | 28.85 | 28.85 | 28.85 | 28.85 | 28.85 | No | No | (No Data) | 13237.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 29 | XX | XX | (No Data) | XX | MN | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1098 | Yes | Yes | 1.237 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.8 | 33.73 | 32.8 | 33.73 | 33.73 | 33.73 | No | No | (No Data) | 9443.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 61 | XX | XX | XX | XX | MI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | 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) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0366 | Yes | No | 1.4 | (No Data) | Yes | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 25.74 | 0 | 25.74 | 25.74 | 25.74 | (No Data) | (No Data) | (No Data) | 20672.94 | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 77 | XX | XX | XX | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | 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) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6758 | Yes | No | 2.973 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 18.36 | 0 | 18.36 | 18.36 | 18.36 | (No Data) | (No Data) | (No Data) | 38086.97 | 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) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 12 | Yes | Borrower | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 79 | XX | XX | XX | XX | MI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.9107 | Yes | No | 2.573 | (No Data) | Yes | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 32.68 | 0 | 32.68 | 32.68 | 32.68 | (No Data) | (No Data) | (No Data) | 13402.08 | 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 | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 48 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 - 48 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 87 | XX | XX | XX | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3963 | Yes | No | 0.162 | (No Data) | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.43 | 0 | 40.43 | 40.43 | 40.43 | (No Data) | (No Data) | (No Data) | 31209.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) | XX |
| 97 | XX | XX | XX | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | Permanent Resident Alien | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4748 | No | No | 2.293 | (No Data) | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 47.08 | 0 | 47.08 | 47.08 | 47.08 | (No Data) | (No Data) | (No Data) | 9455.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | XX |
| 104 | XX | XX | XX | XX | LA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9898 | No | No | 2.112 | (No Data) | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.94 | 0 | 49.94 | 49.94 | 49.94 | (No Data) | (No Data) | (No Data) | 16353.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | Yes | 1 | No | (No Data) | Yes | 24 | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | Yes | FMNA 1005 | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 106 | XX | XX | XX | XX | IN | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.3719 | No | No | 4.01 | 4.010 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.66 | 49.65 | 49.66 | 49.65 | 49.65 | 49.65 | No | No | (No Data) | 3322.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 6772 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 6772 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) | XX |
| 114 | XX | XX | XX | XX | MI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | 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) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7806 | No | No | 2.45 | (No Data) | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.83 | 0 | 49.83 | 49.83 | 49.83 | (No Data) | (No Data) | (No Data) | 7516.01 | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (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) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 124 | XX | XX | XX | XX | NV | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9884 | No | No | 6.393 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2932.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 0.00 | No | (No Data) | 1.1500 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | XX |
| 128 | XX | XX | XX | XX | NC | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8263 | Yes | Yes | 2.147 | 2.147 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 4.8 | 2.8 | 4.8 | 2.8 | 2.8 | 2.8 | No | No | (No Data) | 299602.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | XX |
| 141 | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.5519 | No | No | 3.441 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.8 | 46.98 | 46.8 | 46.98 | 46.98 | 46.98 | No | No | (No Data) | 6036.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Employment Authorization Document | (No Data) | (No Data) | (No Data) | XX |
| 148 | XX | XX | XX | XX | UT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7381 | No | No | 6.553 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -12309.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3300.00 | No | (No Data) | 1.0790 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | XX |
| 151 | XX | XX | XX | XX | AL | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Condotel | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | No | No | 0 | 0.000 | (No Data) | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 46.34 | 0 | 46.34 | 46.34 | 46.34 | No | No | (No Data) | 12211.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 153 | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | 4 Family | 4 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9025 | Yes | No | 0.436 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.82 | 42.83 | 43.82 | 42.83 | 42.83 | 42.83 | No | No | (No Data) | 14938.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 120 months;<br> 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) | XX |
| 157 | XX | XX | XX | XX | FL | QM: Safe Harbor (APOR) | Yes | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6171 | Yes | Yes | 2.984 | 2.984 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.74 | 40.52 | 41.74 | 40.52 | 40.52 | 40.52 | No | No | (No Data) | 5695.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 161 | XX | XX | XX | XX | UT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9574 | No | No | 8.777 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -20102.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 | 3115.00 | No | (No Data) | 1.1202 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | XX |
| 165 | XX | XX | XX | XX | OH | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.6531 | No | No | 3.833 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3562.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.5300 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | XX |
| 217 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.8750 | Yes | No | 0 | (No Data) | No | Yes | 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 | 26.17 | 0 | 26.17 | 26.17 | 26.17 | (No Data) | (No Data) | (No Data) | 65085.98 | 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) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 256 | XX | XX | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.9900 | Yes | No | 0 | (No Data) | No | Yes | 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 | 17.81 | 0 | 17.81 | 17.81 | 17.81 | (No Data) | (No Data) | (No Data) | 20000.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 265 | XX | XX | (No Data) | XX | OH | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | 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 | No | (No Data) | (No Data) | No | Exempt | 1 | 7.3750 | No | No | 0 | (No Data) | No | Yes | 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 | 44.62 | 0 | 44.62 | 44.62 | 44.62 | (No Data) | (No Data) | (No Data) | 8107.8 | 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 | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 313 | XX | XX | XX | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd that is >20% of OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 2.75 | (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) | -4426.35 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 6100.00 | No | (No Data) | 1.3781 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | XX |
| 318 | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.9834 | Yes | Yes | 4.949 | 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 | 37.22 | 37.22 | 37.22 | 37.22 | 37.22 | 37.22 | Yes | Yes | Yes | 7976.01 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | (No Data) | 5 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 5 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) | XX |
| 324 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | Yes | No | 0 | (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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 38.88 | 0 | 38.88 | 38.88 | 38.88 | (No Data) | (No Data) | (No Data) | 25843.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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> Personal Tax Return - 24 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) | XX |
| 339 | XX | XX | (No Data) | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 29.09 | 0 | 29.09 | 29.09 | 29.09 | (No Data) | (No Data) | (No Data) | 7125.93 | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 24 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 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) | XX |
| 344 | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5414 | Yes | Yes | 0.648 | 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 | 39.38 | 39.29 | 39.38 | 34.37 | 34.37 | 34.37 | Yes | Yes | Yes | 40802.93 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 144 | No | (No Data) | No | (No Data) | 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 | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months;<br> CPA Letter without Income - 144 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) | XX |
| 353 | XX | XX | (No Data) | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9900 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 37.64 | 0 | 37.64 | 37.64 | 37.64 | (No Data) | (No Data) | (No Data) | 16861.74 | 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) | 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 Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (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) | Personal Tax Return - 12 months | Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 371 | XX | XX | (No Data) | XX | FL | QM: Rebuttable Presumption (APOR) | No | Present | QM: Rebuttable Presumption (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4166 | Yes | Yes | 2.01 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.37 | 42.93 | 40.37 | 42.93 | 42.93 | 42.93 | No | No | (No Data) | 5157.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | 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) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 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) | XX |
| 378 | XX | XX | (No Data) | XX | NJ | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1564 | No | No | 1.506 | 1.297 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.91 | 49.7 | 49.91 | 49.7 | 49.7 | 49.7 | No | No | (No Data) | 12154.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 391 | XX | XX | (No Data) | XX | AK | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6937 | Yes | Yes | 2.844 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.46 | 41.46 | 41.46 | 41.46 | 41.46 | 41.46 | No | No | (No Data) | 15637.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 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) | XX |
| 405 | XX | XX | (No Data) | XX | CO | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | 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 | No | 1 | 7.6689 | Yes | Yes | 0.508 | 0.508 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.97 | 36.93 | 36.97 | 36.93 | 36.93 | 36.93 | No | No | (No Data) | 16724.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Business Tax Return - 24 months;<br> CPA Letter without Income - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 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) | XX |
| 406 | XX | XX | (No Data) | XX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.9900 | Yes | No | 0 | (No Data) | No | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.22 | 0 | 39.22 | 39.22 | 39.22 | (No Data) | (No Data) | (No Data) | 9968.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 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) | XX |
| 452 | XX | XX | (No Data) | XX | MA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9533 | Yes | Yes | 2.926 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.69 | 23.11 | 21.69 | 23.11 | 23.11 | 23.11 | No | No | (No Data) | 18892.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 454 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.3750 | Yes | No | 0 | (No Data) | No | Yes | 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 | 30.87 | 0 | 30.87 | 30.87 | 30.87 | (No Data) | (No Data) | (No Data) | 10848.72 | 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) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 473 | XX | XX | (No Data) | XX | RI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 25.22 | 0 | 25.22 | 25.22 | 25.22 | (No Data) | (No Data) | (No Data) | 8560.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 31 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 31 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) | XX |
| 485 | XX | XX | (No Data) | XX | AZ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.78 | 0 | 40.78 | 40.78 | 40.78 | (No Data) | (No Data) | (No Data) | 12639.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 558 | XX | XX | (No Data) | XX | TX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8399 | No | No | 2.01 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.88 | 44.89 | 44.88 | 44.89 | 44.89 | 44.89 | No | No | (No Data) | 5321.05 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 29 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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) | W2 - 24 months;<br> Written VOE - 29 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) | XX |
| 565 | XX | XX | (No Data) | XX | NH | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9900 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 24.76 | 0 | 24.76 | 24.76 | 24.76 | (No Data) | (No Data) | (No Data) | 7037.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 12 months;<br> W2 - 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) | XX |
| 581 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.3750 | Yes | No | 0 | (No Data) | No | Yes | 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 | 41.27 | 0 | 41.27 | 41.27 | 41.27 | (No Data) | (No Data) | (No Data) | 19180.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 6 | No | (No Data) | (No Data) | No | (No Data) | (No 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 6 months;<br> Personal Tax Return - 24 months;<br> W2 - 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) | XX |
| 626 | XX | XX | (No Data) | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.8750 | No | No | 0 | (No Data) | No | Yes | 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 | 44.65 | 0 | 44.65 | 44.65 | 44.65 | (No Data) | (No Data) | (No Data) | 7621.28 | 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 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 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) | XX |
| 654 | XX | XX | (No Data) | XX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.3750 | No | No | 0 | (No Data) | No | Yes | 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 | 47.69 | 0 | 47.69 | 47.69 | 47.69 | (No Data) | (No Data) | (No Data) | 4496.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | 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) | Award Letter - 1 months;<br> Personal Tax Return - 12 months | Award Letter - 1 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

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| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *68* |
| ***Loans with Conditions:*** | *34* |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **ConditionSub 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** | **Full Diligence ID** |
| 1 | XX | XX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW | No | XX Loan is eligible for an appraisal waiver LP #XX. | (No Data) | Condition satisfied. Received AVM supporting PIW value of $XX with no variance. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 yrs time at current residence. | XX |
| 1 | XX | XX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Fired PIW used hence system PIW date 07.XX.25 not recognize FEMA event date 04.X.24. | 11/4 Client provided a 10/15/25 Post disaster inspection showing no damage | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 yrs time at current residence. | XX |
| 2 | XX | XX | CA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 816. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing Assets $96,056.87 or 37.55 months PITI reserves. Required reserves $19,033.80<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60%. Max 85%. | XX |
| 3 | XX | XX | NV | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 53% is below guideline requirement of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 761 exceeds guideline requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves are $28,992.57. Verified post close assets in the amount of $62,082.50. | XX |
| 4 | XX | XX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure. | 10/22/25 Client provided a signed LOE from Lender stating there are no affiliates for this loan. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 12 years time in profession. | XX |
| 5 | XX | XX | ID | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. No UCDP was found. | 1.28.2026 Client provided 3rd party CDA valuation supporting appraised value with -7.5% variance (within 10% tolerance) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 765 > is above guideline minimum credit score 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 6 years. | XX |
| 6 | XX | XX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline requirement of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 796 exceeds guideline requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.63% is below guideline requirement of 45%. | XX |
| 7 | XX | XX | NC | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 55.12%. Max 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 686. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $24,002.39 or 11.82 months PITI reserves. Required reserves $20,084.06 | XX |
| 8 | XX | XX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This Condition is informational per Clayton Compliance department and TRID 2.0 revisions. Condition satisfied. Final Grade A. | (No Data) | satisfied | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 816 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 39.06% is 50.94 points below the program guideline maximum 90%. | XX |
| 8 | XX | XX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW | No | Loan is PIW approved, AUS LPA Streamlined Accept. | (No Data) | Condition satisfied with receipt of AVM supporting PIW value with no variance. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 816 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 39.06% is 50.94 points below the program guideline maximum 90%. | XX |
| 8 | XX | XX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Loan Approved by AUS as an Appraisal Waiver (PIW); FEMA Declaration date 11/XX/14 and AUS approval 8/XX/25. | 10/26 Client provided a post disaster inspection dated 10/16 showing no damage since FEMA event | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 816 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 39.06% is 50.94 points below the program guideline maximum 90%. | XX |
| 9 | XX | XX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW | No | AUS Approved PIW. AVM FSD score greater than approved FSD of 15 | 11/11 Client provided a BPO supporting the appraised value | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 7 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 19 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 798 exceeds the guideline program minimum of 620. | XX |
| 9 | XX | XX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | Max approved FSD 15, subject FSD 19 | 11/11 Client provided a BPO supporting the appraised value | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 7 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 19 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 798 exceeds the guideline program minimum of 620. | XX |
| 9 | XX | XX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Loan Approved by AUS as an Appraisal Waiver (PIW); FEMA Declaration date 07/XX/2020 and AUS approval 08/XX/2025 | 10/26 Client provided a post disaster inspection dated 10/17 showing no damage since FEMA event | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 7 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 19 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 798 exceeds the guideline program minimum of 620. | XX |
| 10 | XX | XX | MA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.56%; guidelines allow 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at employer for over 30 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60%; guidelines allow 85%. | XX |
| 11 | XX | XX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This Condition is informational per Clayton Compliance department and TRID 2.0 revisions. Condition satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 761 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 60% is 30 points below the program guideline maximum 90%. | XX |
| 11 | XX | XX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW | No | LP AUS approved PIW. | (No Data) | Condition satisfied with receipt of AVM supporting PIW value with 10%. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 761 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 60% is 30 points below the program guideline maximum 90%. | XX |
| 11 | XX | XX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Loan approved with LP AUS PIW - No inspection since FEMA declaration date 9/XX/2024 for hurricane XX. | 10/26 Client provided a post disaster inspection dated 10/16 showing no damage since FEMA event | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 761 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 60% is 30 points below the program guideline maximum 90%. | XX |
| 13 | XX | XX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD . | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 75% is 15 points below the program guideline maximum 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 754 > is above guideline minimum credit score 620. | XX |
| 13 | XX | XX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | LCA score is: N/A. Missing 3rd party valuation | (No Data) | Client provided AVM - 1/21/2026 | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 75% is 15 points below the program guideline maximum 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 754 > is above guideline minimum credit score 620. | XX |
| 13 | XX | XX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | FSD Score = 23.73 - out of tolerance | 2.11.2026 Client provided Drive By BPO by XX dated 2.XX.2026 with value of $XX which exceeds appraised value of $XX; value supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 75% is 15 points below the program guideline maximum 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 754 > is above guideline minimum credit score 620. | XX |
| 13 | XX | XX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | AVM failed to support the property value | 2.11.2026 Client provided Drive By BPO by XX dated 2.XX.2026 with value of $XX which exceeds appraised value of $XX; value supported | Condition satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 75% is 15 points below the program guideline maximum 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 754 > is above guideline minimum credit score 620. | XX |
| 14 | XX | XX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW | No | Loan is LP- Streamlined Accept- PIW approved. | AVM value supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 762 > is above guideline minimum credit score 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $103,639.68 or 24.61 months of PITI(A).AUS reserves requirement of $9,530.66. | XX |
| 14 | XX | XX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing 3rd party to support value used to approve. | (No Data) | Client provided AVM - 1/21/2026 | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 762 > is above guideline minimum credit score 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $103,639.68 or 24.61 months of PITI(A).AUS reserves requirement of $9,530.66. | XX |
| 14 | XX | XX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | FEMA Declaration for Wildfires 1/XX/21 and Loan is a PIW approval. | 1.29.2026 Client provided FEMA Post Disaster inspection dated 1.27.2026 with no damage along with exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 762 > is above guideline minimum credit score 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $103,639.68 or 24.61 months of PITI(A).AUS reserves requirement of $9,530.66. | XX |
| 15 | XX | XX | CA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 38.34% is 46.66 points below the program guideline maximum 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 767 > is above guideline minimum credit score 620. | XX |
| 16 | XX | XX | NC | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 787 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 70% is 15 points below the program guideline maximum 85%. | XX |
| 17 | XX | XX | GA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 815 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 75% is 10 points below the program guideline maximum 85%. | XX |
| 18 | XX | XX | TX | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing 3rd party valuation since LCA score greater than 2.5. | (No Data) | Client provided AVM - 1/21/2026 | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% is less than max of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.05 is less than 45. | XX |
| 19 | XX | XX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing 3rd party valuation | 1.28.2026 Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for over 30 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 credit score exceeds the 620 minimum guideline requirements by 184 points. | XX |
| 20 | XX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Copy of Business purpose affidavit in file not signed. | 01/30/2026 Client provided a collaborate comment: This is an Investment Property but not a Business Purpose loan, therefore Business Purpose Disclosure is not required. Resulting in TRID testing for personal purpose. | Satisfied. See condition XX. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $83,256.22 or 25.99 months of PITIA. AUS Reserves Required $38,439.60.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 681 > is above guideline minimum credit score 620. | XX |
| 20 | XX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | RESPA | Waived B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 5/XX/25 | 02/18/2026 Client provided an approved exception request for List of homeowners counseling organizations not provided w/in 3 days of application | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $83,256.22 or 25.99 months of PITIA. AUS Reserves Required $38,439.60.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 681 > is above guideline minimum credit score 620. | XX |
| 20 | XX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | RESPA | Waived B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Affiliate Business Disclosure missing | 02/18/2026 Client provided an approved exception request for Required Affiliate Business Disclosure missing. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $83,256.22 or 25.99 months of PITIA. AUS Reserves Required $38,439.60.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 681 > is above guideline minimum credit score 620. | XX |
| 20 | XX | XX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | the App Date is 5/XX/25 however the first LE in file was issued 5/XX/25 | 02/13/2026 Client provided a GFE dated 5/23. Condition remains. Provide the LE dated within 3 days of application date 5/21.02/17/2026 Client provided a Collaborate comment: Please revisit for clearance: Ops advised, at time of uploading the COC and GFE on 2/12, the following: The GFE (attached) was issued on 5/23/2025, which was within three days of 5/21/205. On 5/29/2025, they did a COC to change the loan terms and issued the COC on a Loan Estimate. Condition remains for clarification/documentation on why a GFE was used in lieu of a Loan Estimate on 5/23 as COC 5/29 does not provide details of why a GFE was provided then changed to LE, for review. Additional Conditions may apply. 02/25/2026 Client provided a collaborate comment: Document uploaded tor review. Response from OPS Team - The GFE (attached) was issued on 5/23/2025, which was within three days of 5/21/205. On 5/29/2025, they did a COC to change the loan terms and issued the COC on a Loan Estimate and a copy of the 5/23 GFE from file. Also provided the 5/29 COC reflecting fee changes, and change in loan terms per Borrower request. It does not show what it charged from and to. Condition remains. Provide documentation reflecting the original program & terms that required a GFE, for review. Additional conditions may apply. 03/06/2026 Client provided an updated COC 5/29 reflecting reflecting change from business purpose non qm loan to consumer purpose conventional loan with a cover letter email reflecting Program: Inv Adv to FNMA. GFE/TIL Disclosure package from 5/23 & the redisclosed conventional disclosure package on 5/29. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $83,256.22 or 25.99 months of PITIA. AUS Reserves Required $38,439.60.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 681 > is above guideline minimum credit score 620. | XX |
| 20 | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | FSD Score = 16.73 - outside of tolerance | 1.29.2026 Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 761 is 141 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years and 3 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 10 years and 7 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.75% LTV below guideline requirements of 75.00% per program. | XX |
| 21 | XX | XX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | FSD Score = 16.31 - outside of tolerance | 1.29.2026 Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 17.42% LTV below guideline requirements of 75.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 745 is 125 points above program guideline minimum of 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 26 years and 5 months | XX |
| 22 | XX | XX | TX | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation, LCA score of 3.5 not within guidelines. | (No Data) | Client provided AVM - 1/21/2026 | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 58.44% max per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 729 max per guidelines is 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 7 years. | XX |
| 23 | XX | XX | NC | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower at current job for 28 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence. | XX |
| 24 | XX | XX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 11 years and 11 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21% DTI is below guideline requirement of 50.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.00% LTV below guideline requirements of 75.00% per program. | XX |
| 25 | XX | XX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | LCA score is: N/A. Missing 3rd party valuation. | 1.28.2026 Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 800 is above the minimum of 620.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower at employer for over 17 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: borrowers at current residence for over 30 years | XX |
| 26 | XX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Need evidence of change of circumstances letter for Ten Percent tolerance, (Title fees) increase, or a copy of a refund check in the amount of $1277.55 | 01/30/2026 Client provided COC 10/28 reflecting Loan amount change supporting increase to Lenders insurance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 credit score exceeds the 620 minimum guideline requirement by 125 points.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 26 years. | XX |
| 27 | XX | XX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at the current job for 17 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29% DTI is 16% below the maximum guideline requirement of 45%. | XX |
| 29 | XX | XX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | FSD Score = 36.08 - outside of tolerance | 1.29.2026 Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80.00% LTV below guideline requirements of 95.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 812 is 192 points above program guideline minimum of 620. | XX |
| 61 | XX | XX | MI | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Ability-to-Repay Underwriting Certification. | 4.23.2026 Client provided executed ATR Underwriting Certification | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 784 > is above guideline minimum credit score 720.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 19 years. | XX |
| 77 | XX | XX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 FICO exceeds guideline of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 18.36 DTI below guideline of 50. | XX |
| 79 | XX | XX | MI | (No Data) | ATR/QM: Exempt D | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing the Ability-to-Repay Underwriting Certification. | 5.5.2026 Client provided executed by Underwriter, ATR Underwriting Certification | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 787 > is above guideline minimum credit score 720. | XX |
| 79 | XX | XX | MI | (No Data) | ATR/QM: Exempt D | Credit | Terms/Guidelines | Satisfied D A | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | Missing Condo Questionnaire and Condo Master Insurance policy. | 5.5.2026 Client provided subject HOA Condo questionnaire, condition remains for subject Condo Master HOA policy. 5.6.2026 Client provided Condo HOA Master Policy 6.20.2025 - 2026 | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 787 > is above guideline minimum credit score 720. | XX |
| 87 | XX | XX | CA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 30 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.43% below guideline requirement of 50% | XX |
| 97 | XX | XX | CA | (No Data) | ATR/QM: Exempt D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing HELOC statement for XX for property XX. | 4/14 Client provided evidence the HELOC is reported to credit and attached XX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $109,793.70 or 17.38 months of PITIA. Reserves required for Loan amount (3) / DTI over 45% (3)= 6 months x $6,316.60 = $37,899.60 and Additional Financed Properties (2 months) x $8,400.73 = $16,801.46 = Total: $54,701.06.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 734 > is above guideline minimum credit score 720. | XX |
| 104 | XX | XX | LA | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing loan document Ability-to-Repay Underwriting Certification and UCD Findings. | 5/11 Client [provided the TAR certificate | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 757 > is above guideline minimum credit score 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $219,194.86 or 42.39 months of PITIA. Reserves required for Loan amount (3) months and (DTI over 45% additional (3) = 6 months x $5,170.39 = $31,022.34 and Additional Financed Properties (2 months) x $6,824.72 = $13,649.44 = Total: $44,671.78. | XX |
| 106 | XX | XX | IN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $14,111.80, max allowed is $10,557.58; $3,554.22 too high). | 4.22.2026 Client provided Lender LOX in Collaborate stating, This is a LWR Signature+ Platinum SmartSelf loan, a Non-QM product. We are not exceeding APOR and the condition is also saying the Status is NONQM, which is what this product is. Response, per loan file document (pg 202) ATR Worksheet states loan is QM Safe Harbor. Please provide updated ATR Worksheet reflecting as Non QM 4.28.2026 Client provided LOX in Collaborate stating, it is a Non-QM loan there is an NewRez ATR certification in the file. Response, Mavent in file states QM Safe Harbor (pg 12) and ATR worksheet in file states QM Safe Harbor (pg 202) and with going through loan file documents did not locate the ATR certification in file stating as being Non QM. Condition remains please provide the ATR certification stating as Non QM. 4.29.2026 Client provided LOX in Collaborate loan is a Non QM due to program | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 58.33% below guideline requirements of 80% | XX |
| 106 | XX | XX | IN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3772 | TRID - Error #10 discovered on Loan Estimate | No | Missing revised LE dated 03/XX/2026 per the Disclosure Tracking Details. | 4/17/26 Client provided missing LE 3/12/26. Disclosure was tested with no issues. Condition satisfied | 4/17/26 Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 58.33% below guideline requirements of 80% | XX |
| 114 | XX | XX | MI | (No Data) | ATR/QM: Exempt D | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing loan requirement of Ability-to-Repay Underwriting Certification. | 5/1 Client provided the ATR certificate | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 26 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $25,792.19 or 10.03 months of PITIA. Total reserves required is $19,418.24 | XX |
| 114 | XX | XX | MI | (No Data) | ATR/QM: Exempt D | Credit | Terms/Guidelines | Satisfied D A | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | File is missing Condo Questionnaire. | 5/1 Client provided the Condo questionnaire | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 26 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $25,792.19 or 10.03 months of PITIA. Total reserves required is $19,418.24 | XX |
| 124 | XX | XX | NV | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing required loan documents of Ability-to-Repay Underwriting Certification, Notice to Borrower: Ability to Repay Disclosure and Borrowers Affirmation of Information provided to Establish ATR. | 4.23.2026 Client provided executed ATR Underwriting Certification, however still missing additional two (2) signed disclosures, (a). Notice to Borrower: Ability to Repay Disclosure and (b). Borrower's Affirmation of information provided to Establish ATR4.29.2026 Client provided executed ATR Underwriting Certification and executed Notice to Borrower: Ability to Repay Disclosure and executed Borrower's Affirmation of information provided to Establish ATR | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 811 > is above guideline minimum credit score 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 51.46% is 33.54 points below the program guideline maximum 85%. | XX |
| 128 | XX | XX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the ATR Disclosure and the Borrower's Affirmation. | 5.6.2026 Client provided executed by Borrower Affirmation ATR and ATR Notice Disclosure | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 75% below guideline requirements of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 2.8% below guideline requirement of 50%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months | XX |
| 141 | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required for Loan amount (3) months and (DTI over 45% additional (3)=6 months x $3,003.29 = $18,019.74. Post Close Assets are $127,057.97 or 42.31 months of PITIA.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 18 years. | XX |
| 148 | XX | XX | UT | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 759 exceeds guidelines of 720<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months | XX |
| 151 | XX | XX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 46.34% below guideline requirement of 50%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 80 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6.75 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7.33 years | XX |
| 153 | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing requierd documents. Ability-to-Repay Underwriting Certification and Notice to Borrower: Ability to Repay Disclosure, and Borrowers Affirmation of Information provided to Establish ATR. | 4.22.2026 Client provided Lender QM Safe Harbor/ATR Worksheet however still missing the thee (3) initial requested documentation for: (a). Ability-to-Repay Underwriting Certification and (b). Notice to Borrower: Ability to Repay Disclosure, and (c). Borrowers Affirmation of Information provided to Establish ATR4.28.2026 Client provided executed copy of Notice to Borrower and executed Borrower's affirmation of Info provided to establish ATR, condition remains for the additional requested signed disclosure: ATR Underwriting Certification 4.29.2026 Client provided executed ATR Underwriting Certification | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 730 > is above guideline minimum credit score 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 75% is 5 points below the program guideline maximum 80%. | XX |
| 157 | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 56.52% below guideline requirements of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.52% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months | XX |
| 161 | XX | XX | UT | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of revolving credit<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history | XX |
| 165 | XX | XX | OH | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6.8 years | XX |
| 217 | XX | XX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 738. Minimum required 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 58.159%. Max 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $1,183,161.36 or $452.76 month PITI reserves. Required reserves $27,649.26 | XX |
| 256 | XX | XX | GA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 19 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: LP required reserves of $18,387.48. Verified reserves are $139,533.98 | XX |
| 265 | XX | XX | OH | (No Data) | ATR/QM: Exempt D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing Loan Estimate(s) in file. | 10/13/2025 Client provided missing LE 07/17/2025 | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 770. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets $102,519.48 or 35.44 months PITI reserves. Required reserves $17,359.56<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: The mortgage in the borrowers current home was reviewed for 24 months with no lates<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%. Max 85% | XX |
| 313 | XX | XX | CA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 20 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 784 is 64 points above the 720 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 28 months PITIA is 16 months greater than the 12 months reserves required. | XX |
| 318 | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC's dated 5/XX/22 and CD 6/XX/22 found in file but corresponding disclosures are missing in file. Condition is pending receiving disclosures for further testing. | 8.8.22 Client provided LE 5/31/22 and CD 6/27/22. | 8/8/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been Self-employed with XX for 21 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $55,082.61 or 13.71 months PITI, guidelines required 3 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 37.22%, max per guidelines is 50% | XX |
| 318 | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $150 due to added CDA fee with no valid COC in file. COC dated 5/XX/22 does not indicate a reason why fee was added. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 8.8.22 Client provided COC and LE 5/31/22. 8/11/2022: Client provided PCCD 8/11/2022, LOE, Refund of $150 and proof of delivery. | 8/11/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been Self-employed with XX for 21 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $55,082.61 or 13.71 months PITI, guidelines required 3 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 37.22%, max per guidelines is 50% | XX |
| 318 | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | Lender exception for missing the 1099 transcripts without CPA verification of Schedule C filing. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been Self-employed with XX for 21 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $55,082.61 or 13.71 months PITI, guidelines required 3 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 37.22%, max per guidelines is 50% | XX |
| 324 | XX | XX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been with the same employer for 10 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $45,729.49. Verified post clsg reserves $281,892.10 or 112.16 months PITIA | XX |
| 339 | XX | XX | GA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24 years at primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12+ years with present employer | XX |
| 344 | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | 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 | A loan product change from Fixed on initial CD 7/XX/22 to Fixed 10year IO on final CD 7/XX/22. Missing revised CD 7/XX/22 with a valid COC for further testing. | 8/5/2022: Client provided CD 7/xx/2022 which discloses the product change at least three days prior to closing date of 7/xx. | 8/5/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the Real Estate industry for 22 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 qualifying score. Min required per guidelines is 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; max allowed per guidelines is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $189,478.73 or 19.52 months PITIA, guidelines required 6 months PITIA. | XX |
| 353 | XX | XX | TX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 751 > is above guideline minimum credit score 620.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 36 years. | XX |
| 371 | XX | XX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $10,525.27 or 4.71 months PITI , Required PITI Reserves are $4,230.39<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 709 exceeds the guideline program minimum of 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 5 years. | XX |
| 378 | XX | XX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline requirement of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 734 exceeds guideline requirement of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 25 years. | XX |
| 391 | XX | XX | AK | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D C B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton's QM status QM- RP (APOR) with a interest rate set date of 7/XX/2025. Benchmark variance 2.024. | 10/13 Client provided a determination of QM RP | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 13 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 705 exceeds the guideline program minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $67,695.81 or 12.39 months PITI , Required PITI Reserves are $0 | XX |
| 391 | XX | XX | AK | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D C B | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing documentation to support the primary housing totaling $2715.19. | 10/13 Client provided mortgage statement supporting $2456.86 PITI ; Provide supporting docs for additional $258.33 used to qualify10/22 Client provided 1008 and AUS removing $258.33 from PITI | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 13 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 705 exceeds the guideline program minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $67,695.81 or 12.39 months PITI , Required PITI Reserves are $0 | XX |
| 391 | XX | XX | AK | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) D C B | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Value not supported within 10%. Appraised value $XX; AVM $XX | 10/13/2025 client provided CDA which supported OA value. | Condition satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 13 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 705 exceeds the guideline program minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $67,695.81 or 12.39 months PITI , Required PITI Reserves are $0 | XX |
| 405 | XX | XX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW | No | Subject transaction closed with a PIW. | (No Data) | Condition satisfied with receipt of AVM supporting PIW value. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 795 is below guideline requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves to be verified are $9,457.18. Verified post close assets of $146,334.61.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline requirement of 90%. | XX |
| 406 | XX | XX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 768 exceeds guideline requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below guideline requirement of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves per LP are $22,275.80. Verified post close reserves of $245,396.66. | XX |
| 452 | XX | XX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR5454 | Loan File contains Property Inspection Waiver (PIW)/AW | No | Subject transaction closed with PIW Inspection | (No Data) | Condition satisfied with receipt of AVM supporting PIW value. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 21 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 35 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 732 exceeds the guideline program minimum of 620. | XX |
| 452 | XX | XX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | FEMA | Satisfied B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Approved by AUS as an Appraisal Waiver (PIW); FEMA Declaration date 6/XX/2018 | 10/13 Client provided a XX search; provide a post disaster inspection showing no damage since the FEMA event10/22 Client provided a post disaster 10/20 showing no damage since FEMA event | SAtisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 21 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 35 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 732 exceeds the guideline program minimum of 620. | XX |
| 454 | XX | XX | CA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $21,464.94. Post verified reserves $113,983.26 or 31.86 months PITI<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.80%, max allowed by G/L is 85%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 19 years | XX |
| 473 | XX | XX | RI | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 711 exceeds the guideline program minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $55,402.38 or 11.55 months PITI , Required PITI Reserves are $28,782.77. | XX |
| 485 | XX | XX | AZ | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69% is below guideline requirement of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 699 exceeds guideline requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6 months PITIA reserves required - $20,935.44; verified post close assets of $37,905.22 or 10.86 months PITIA reserves. | XX |
| 558 | XX | XX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Value not supported within 10%. Appraised value $XX; AVM $XX | Client provided CDA supporting appraised value of $XX with a 0% variance. | Condition satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $16,110.38 or 4.50 months PITI, Required PITI Reserves are $7,165.81.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 784 exceeds the guideline program minimum of 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 59 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 33 years. | XX |
| 565 | XX | XX | NH | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.15%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: (Prior to payoff) 0x30 x 65 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $47,864.07 (16.38 months PITIA reserves) > min required reserves of $17,534.95<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied primary residence for 20.25 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 17 years. | XX |
| 581 | XX | XX | CA | (No Data) | ATR/QM: Exempt C B | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Value not supported within 10%. Appraised value $XX; AVM value $XX | 10/13/2025 client provided CDA which supported the OA value. | Condition satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline requirement of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 738 exceeds guideline of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required are $51,683.70; verifies post close assets of $600,014.07. | XX |
| 626 | XX | XX | CA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied his current primary for 20.3 years | XX |
| 654 | XX | XX | SC | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline requirement of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 805 exceeds guideline requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6 months PITIA reserves required - $20,222.70; verified post close assets of $614,877.13 or 182 months PITIA reserves. | XX |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

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| | |
|:---|:---|
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *68* |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **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** | **Full Diligence ID** |
| 1 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 0 | 7/17/2025 | 6.668 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 2 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.99 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 3 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 4 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1768.5 | 8/8/2025 | 7.071 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 5 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 6 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 5.224 | Unemployed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 | XX |
| 7 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 8 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1140 | 7/23/2025 | 6.9329 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 9 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1499 | 7/22/2025 | 7.0767 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 10 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.3209 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 11 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 2410.23 | 7/31/2025 | 7.4979 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 13 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 300 | 10/13/2025 | 6.9968 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 14 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1490 | 10/23/2025 | 6.1594 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 15 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 16 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 17 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.99 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 | XX |
| 18 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 7.9901 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 19 | XX | QM: Safe Harbor (APOR) | No | XX | 10/06/2025 | No | Yes | 12285 | 10/2/2025 | 6.4177 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 20 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 8091 | 6/2/2025 | 8.1716 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 20 | XX | QM: Safe Harbor (APOR) | No | XX | 10/17/2025 | Yes | Yes | 13750 | 10/14/2025 | 6.1484 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 21 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1645 | 11/14/2025 | 6.6509 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 22 | XX | ATR/QM: Exempt | No | XX | 11/12/2025 | Yes | No | 0 | 1/1/1900 | 6.5 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 23 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 4.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 24 | XX | QM: Rebuttable Presumption (APOR) | No | XX | Not Applicable | Yes | Yes | 1195 | 11/19/2025 | 8.0222 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 25 | XX | QM: Safe Harbor (APOR) | No | XX | 10/21/2025 | Yes | Yes | 5644 | 10/27/2025 | 5.594 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 26 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 0 | 11/18/2025 | 7.375 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 27 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1135 | 11/18/2025 | 6.655 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 29 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 6720 | 12/2/2025 | 7.1098 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 61 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.0366 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 77 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 6.6758 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 79 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.9107 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 87 | XX | ATR/QM: Exempt | No | XX | 03/04/2062 | No | No | 0 | 1/1/1900 | 6.3963 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | XX |
| 97 | XX | ATR/QM: Exempt | No | XX | 02/24/2026 | No | No | 0 | 1/1/1900 | 6.4748 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | 0 | XX |
| 104 | XX | ATR/QM: Exempt | No | XX | 03/25/2026 | No | No | 0 | 1/1/1900 | 6.9898 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 106 | XX | Non-QM: Lender documented all ATR UW factors | No | XX | Not Applicable | No | No | 14111.8 | 3/16/2026 | 6.3719 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 114 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 7.7806 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 124 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 7.9884 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 128 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 13230 | 3/25/2026 | 6.8263 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 141 | XX | Non-QM: Lender documented all ATR UW factors | No | XX | Not Applicable | No | No | 10634.85 | 3/31/2026 | 9.5519 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | XX |
| 148 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 7.7381 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 151 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 0 | 4/3/2026 | 7 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 153 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 5630 | 3/6/2026 | 6.9025 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 157 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 5588 | 4/9/2026 | 6.6171 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 161 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 6.9574 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 165 | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 7.6531 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 217 | XX | ATR/QM: Exempt | No | XX | 07/09/2025 | Yes | No | 0 | 1/1/1900 | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 256 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 265 | XX | ATR/QM: Exempt | No | XX | 07/16/2025 | Yes | No | 0 | 1/1/1900 | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 313 | XX | ATR/QM: Exempt | No | XX | 06/09/2022 | No | No | 16500 | 1/1/1900 | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 318 | XX | Non-QM: Lender documented all ATR UW factors | No | XX | Not Applicable | No | No | 24440 | 5/11/2022 | 6.9834 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7976.01 | XX |
| 324 | XX | ATR/QM: Exempt | No | XX | 07/21/2025 | No | No | 0 | 1/1/1900 | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 339 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 344 | XX | Non-QM: Lender documented all ATR UW factors | No | XX | 06/08/2022 | No | No | 9660 | 6/17/2022 | 6.5414 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 41230.33 | XX |
| 353 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 371 | XX | QM: Rebuttable Presumption (APOR) | No | XX | 07/28/2025 | Yes | Yes | 4806 | 7/28/2025 | 8.4166 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 378 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 8859 | 7/10/2025 | 8.1564 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 391 | XX | QM: Rebuttable Presumption (APOR) | No | XX | 07/07/2025 | Yes | Yes | 16706.25 | 7/7/2025 | 8.6937 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 405 | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 3127.5 | 6/17/2025 | 7.6689 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 406 | XX | ATR/QM: Exempt | No | XX | 07/09/2025 | Yes | No | 0 | 1/1/1900 | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 452 | XX | QM: Safe Harbor (APOR) | No | XX | 08/11/2025 | Yes | Yes | 7249 | 8/11/2025 | 6.9533 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 454 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 473 | XX | ATR/QM: Exempt | No | XX | 07/09/2025 | Yes | No | 0 | 1/1/1900 | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 485 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 558 | XX | QM: Safe Harbor (APOR) | No | XX | 06/17/2025 | No | Yes | 8357.75 | 7/11/2025 | 6.8399 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 565 | XX | ATR/QM: Exempt | No | XX | 07/08/2025 | Yes | No | 0 | 1/1/1900 | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 581 | XX | ATR/QM: Exempt | No | XX | 08/06/2025 | Yes | No | 0 | 1/1/1900 | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 626 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 6.875 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 654 | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.375 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

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| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *48* |

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---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** | **Full Diligence ID** |
| 1 | XX | XX | Appraisal Form Type | Automated Valuation Model | Property Inspection Waiver | XX |
| 2 | XX | XX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only | XX |
| 2 | XX | XX | Borrower 1 First Name | XX | XXX-XX-XXXX | XX |
| 2 | XX | XX | Borrower 1 SSN | XX | XXX-XX-XXXX | XX |
| 2 | XX | XX | Borrower 2 First Name | XX | XXX-XX-XXXX | XX |
| 2 | XX | XX | Borrower 2 SSN | XX | XXX-XX-XXXX | XX |
| 2 | XX | XX | Cash Reserves | 19033.8000 | 96056.87 | XX |
| 2 | XX | XX | GSE Eligible | No | Yes | XX |
| 3 | XX | XX | Cash Reserves | 28992.5700 | 62082.5 | XX |
| 3 | XX | XX | GSE Eligible | No | Yes | XX |
| 4 | XX | XX | Borrower 1 First Name | XX | XXX-XX-XXXX | XX |
| 4 | XX | XX | Borrower 1 SSN | XX | XXX-XX-XXXX | XX |
| 4 | XX | XX | Borrower 2 First Name | XX | XXX-XX-XXXX | XX |
| 4 | XX | XX | Borrower 2 SSN | XX | XXX-XX-XXXX | XX |
| 4 | XX | XX | Cash Reserves | 19271.8500 | 319737.77 | XX |
| 4 | XX | XX | Debt to Income Ratio (Back) | 20.8000 | 28.9845 | XX |
| 4 | XX | XX | GSE Eligible | No | Yes | XX |
| 4 | XX | XX | Property Zip | XX | XXX-XX-XXXX | XX |
| 4 | XX | XX | Total Monthly Income | 26883.6900 | 19295.76 | XX |
| 5 | XX | XX | Loan Purpose | Cashout Refi | Rate and Term Refi | XX |
| 6 | XX | XX | Borrower 1 First Name | XX | XXX-XX-XXXX | XX |
| 6 | XX | XX | Borrower 1 Last Name | XX | XXX-XX-XXXX | XX |
| 6 | XX | XX | Borrower 1 SSN | XX | XXX-XX-XXXX | XX |
| 6 | XX | XX | Borrower 2 First Name | XX | XXX-XX-XXXX | XX |
| 6 | XX | XX | Borrower 2 Last Name | XX | XXX-XX-XXXX | XX |
| 6 | XX | XX | Borrower 2 SSN | XX | XXX-XX-XXXX | XX |
| 6 | XX | XX | Cash Reserves | 11989.9800 | 119485.52 | XX |
| 6 | XX | XX | GSE Eligible | No | Yes | XX |
| 7 | XX | XX | GSE Eligible | No | Yes | XX |
| 7 | XX | XX | Property Type | Detached PUD | Attached PUD | XX |
| 7 | XX | XX | Total Cash Out | 70267.9600 | 82568.99 | XX |
| 8 | XX | XX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only | XX |
| 8 | XX | XX | Appraisal Form Type | Automated Valuation Model | Property Inspection Waiver | XX |
| 8 | XX | XX | Borrower 1 First Name | XX | XXX-XX-XXXX | XX |
| 8 | XX | XX | Borrower 1 SSN | XX | XXX-XX-XXXX | XX |
| 8 | XX | XX | Borrower 2 First Name | XX | XXX-XX-XXXX | XX |
| 8 | XX | XX | Borrower 2 SSN | XX | XXX-XX-XXXX | XX |
| 8 | XX | XX | GSE Eligible | No | Yes | XX |
| 9 | XX | XX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only | XX |
| 9 | XX | XX | Cash Reserves | 339857.0200 | 316428.56 | XX |
| 9 | XX | XX | GSE Eligible | No | Yes | XX |
| 10 | XX | XX | Borrower 1 First Name | XX | XXX-XX-XXXX | XX |
| 10 | XX | XX | Borrower 1 SSN | XX | XXX-XX-XXXX | XX |
| 10 | XX | XX | Borrower 2 First Name | XX | XXX-XX-XXXX | XX |
| 10 | XX | XX | Borrower 2 SSN | XX | XXX-XX-XXXX | XX |
| 10 | XX | XX | Cash Reserves | 197664.3800 | 181335.23 | XX |
| 10 | XX | XX | GSE Eligible | No | Yes | XX |
| 11 | XX | XX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only | XX |
| 11 | XX | XX | Appraisal Form Type | Automated Valuation Model | Property Inspection Waiver | XX |
| 11 | XX | XX | Cash Reserves | 88174.1500 | 67173.81 | XX |
| 11 | XX | XX | GSE Eligible | No | Yes | XX |
| 14 | XX | XX | Loan Purpose | Cashout Refi | Rate and Term Refi | XX |
| 16 | XX | XX | Debt to Income Ratio (Back) | 27.5000 | 31.5449 | XX |
| 19 | XX | XX | Debt to Income Ratio (Back) | 20.0000 | 15.1864 | XX |
| 20 | XX | XX | Original Appraisal Date | XX | XXX-XX-XXXX | XX |
| 23 | XX | XX | Debt to Income Ratio (Back) | 40.0000 | 26.2578 | XX |
| 23 | XX | XX | Property Type | Detached PUD | Attached PUD | XX |
| 87 | XX | XX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XX |
| 97 | XX | XX | Property Type | SFR | 4 Family | XX |
| 104 | XX | XX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XX |
| 104 | XX | XX | Original Appraised Value | XX | XXX-XX-XXXX | XX |
| 104 | XX | XX | Property Type | SFR | 3 Family | XX |
| 106 | XX | XX | Original Term | 30 | 360 | XX |
| 124 | XX | XX | Origination Date | XX | XXX-XX-XXXX | XX |
| 148 | XX | XX | Maturity Date | XX | XXX-XX-XXXX | XX |
| 151 | XX | XX | Debt to Income Ratio (Back) | 20.2490 | 46.3415 | XX |
| 151 | XX | XX | Occupancy Type | Primary | Investor | XX |
| 151 | XX | XX | Original Term | 30 | 360 | XX |
| 151 | XX | XX | Property Type | Low Rise Condo (1-4) | Condotel | XX |
| 157 | XX | XX | Documentation Type | Full Doc | Alt Doc/Bank Statements | XX |
| 165 | XX | XX | Original Term | 30 | 360 | XX |
| 165 | XX | XX | Property Type | SFR | 2 Family | XX |
| 217 | XX | XX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only | XX |
| 217 | XX | XX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) | XX |
| 217 | XX | XX | Borrower 1 First Name | XX | XXX-XX-XXXX | XX |
| 217 | XX | XX | Borrower 1 Last Name | XX | XXX-XX-XXXX | XX |
| 217 | XX | XX | Borrower 1 SSN | XX | XXX-XX-XXXX | XX |
| 217 | XX | XX | Borrower 2 First Name | XX | XXX-XX-XXXX | XX |
| 217 | XX | XX | Borrower 2 Last Name | XX | XXX-XX-XXXX | XX |
| 217 | XX | XX | Borrower 2 SSN | XX | XXX-XX-XXXX | XX |
| 217 | XX | XX | GSE Eligible | No | Yes | XX |
| 217 | XX | XX | Property Type | SFR | 2 Family | XX |
| 217 | XX | XX | Total Monthly Income | 84678.7200 | 88159.83 | XX |
| 256 | XX | XX | GSE Eligible | No | Yes | XX |
| 265 | XX | XX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only | XX |
| 265 | XX | XX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) | XX |
| 265 | XX | XX | Cash Reserves | 50945.0800 | 102519.48 | XX |
| 265 | XX | XX | GSE Eligible | No | Yes | XX |
| 313 | XX | XX | Documentation Type | Debt Service Coverage Ratio (Dscr) | Alt Doc/Bank Statements | XX |
| 318 | XX | XX | Documentation Type | Unknown | Alt Doc/Bank Statements | XX |
| 324 | XX | XX | Cash Reserves | 202018.5200 | 282392.1 | XX |
| 339 | XX | XX | Cash Reserves | 197579.9600 | 214414.65 | XX |
| 339 | XX | XX | GSE Eligible | No | Yes | XX |
| 344 | XX | XX | Debt to Income Ratio (Back) | 39.382 | 34.3737 | XX |
| 344 | XX | XX | Documentation Type | Unknown | Alt Doc/Bank Statements | XX |
| 353 | XX | XX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) | XX |
| 353 | XX | XX | Cash Reserves | 869361.0000 | 946335.99 | XX |
| 353 | XX | XX | GSE Eligible | No | Yes | XX |
| 353 | XX | XX | Origination Channel | Broker | Correspondent Bulk | XX |
| 353 | XX | XX | Property Type | SFR | 2 Family | XX |
| 353 | XX | XX | Total Monthly Income | 30367.3300 | 27040.33 | XX |
| 371 | XX | XX | GSE Eligible | No | Yes | XX |
| 378 | XX | XX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) | XX |
| 378 | XX | XX | GSE Eligible | No | Yes | XX |
| 378 | XX | XX | Property Zip | XX | XXX-XX-XXXX | XX |
| 378 | XX | XX | Total Monthly Income | 24085.7700 | 24164.94 | XX |
| 391 | XX | XX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only | XX |
| 391 | XX | XX | Cash Reserves | 18164.9900 | 67695.81 | XX |
| 391 | XX | XX | GSE Eligible | No | Yes | XX |
| 405 | XX | XX | Appraisal Form Type | Automated Valuation Model | Property Inspection Waiver | XX |
| 405 | XX | XX | GSE Eligible | No | Yes | XX |
| 405 | XX | XX | Loan Purpose | Cashout Refi | Rate and Term Refi | XX |
| 406 | XX | XX | Cash Reserves | 38822.4300 | 245396.66 | XX |
| 406 | XX | XX | GSE Eligible | No | Yes | XX |
| 452 | XX | XX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only | XX |
| 452 | XX | XX | Appraisal Form Type | Automated Valuation Model | Property Inspection Waiver | XX |
| 452 | XX | XX | Cash Reserves | 950054.4500 | 989454.89 | XX |
| 452 | XX | XX | GSE Eligible | No | Yes | XX |
| 452 | XX | XX | Property Zip | XX | XXX-XX-XXXX | XX |
| 454 | XX | XX | GSE Eligible | No | Yes | XX |
| 473 | XX | XX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) | XX |
| 473 | XX | XX | Cash Reserves | 69023.5900 | 55402.38 | XX |
| 473 | XX | XX | GSE Eligible | No | Yes | XX |
| 473 | XX | XX | Property Type | SFR | 4 Family | XX |
| 485 | XX | XX | GSE Eligible | No | Yes | XX |
| 485 | XX | XX | Loan Purpose | Purchase | Cashout Refi | XX |
| 558 | XX | XX | Loan Purpose | Cashout Refi | Rate and Term Refi | XX |
| 565 | XX | XX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) | XX |
| 565 | XX | XX | GSE Eligible | No | Yes | XX |
| 565 | XX | XX | Property Zip | XX | XXX-XX-XXXX | XX |
| 581 | XX | XX | GSE Eligible | No | Yes | XX |
| 581 | XX | XX | Total Monthly Income | 32241.5100 | 32656.34 | XX |
| 626 | XX | XX | Cash Reserves | 140084.1800 | 217492.98 | XX |
| 626 | XX | XX | GSE Eligible | No | Yes | XX |
| 626 | XX | XX | Total Monthly Income | 16294.0000 | 13769.25 | XX |
| 654 | XX | XX | Borrower 1 First Name | XX | XXX-XX-XXXX | XX |
| 654 | XX | XX | Borrower 1 SSN | XX | XXX-XX-XXXX | XX |
| 654 | XX | XX | Borrower 2 First Name | XX | XXX-XX-XXXX | XX |
| 654 | XX | XX | Borrower 2 SSN | XX | XXX-XX-XXXX | XX |
| 654 | XX | XX | Cash Reserves | 588844.6300 | 614877.13 | XX |
| 654 | XX | XX | GSE Eligible | No | Yes | XX |

---

©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**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *68* |
| ***Loans with Conditions:*** | *34* |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** | **Full Diligence ID** |
| 1 | XX | XX | Not Applicable C | No | XX |
| 2 | XX | XX | Not Applicable | Not Applicable | XX |
| 3 | XX | XX | Not Applicable | No | XX |
| 4 | XX | XX | Not Applicable B | No | XX |
| 5 | XX | XX | Not Applicable D | No | XX |
| 6 | XX | XX | Not Applicable | No | XX |
| 7 | XX | XX | Not Applicable | Not Applicable | XX |
| 8 | XX | XX | Not Applicable C | No | XX |
| 9 | XX | XX | Not Applicable D B | Not Applicable | XX |
| 10 | XX | XX | Not Applicable | No | XX |
| 11 | XX | XX | Not Applicable C | No | XX |
| 13 | XX | XX | Not Applicable D B | Not Applicable | XX |
| 14 | XX | XX | Not Applicable D | Not Applicable | XX |
| 15 | XX | XX | Not Applicable | Not Applicable | XX |
| 16 | XX | XX | Not Applicable | Not Applicable | XX |
| 17 | XX | XX | Not Applicable | Not Applicable | XX |
| 18 | XX | XX | Not Applicable D | Not Applicable | XX |
| 19 | XX | XX | 10/06/2025 D A | Not Applicable | XX |
| 20 | XX | XX | Not Applicable D B | Not Applicable | XX |
| 20 | XX | XX | 10/17/2025 D A | Yes | XX |
| 21 | XX | XX | Not Applicable D | Not Applicable | XX |
| 22 | XX | XX | 11/12/2025 D A | No | XX |
| 23 | XX | XX | Not Applicable | No | XX |
| 24 | XX | XX | Not Applicable | Not Applicable | XX |
| 25 | XX | XX | 10/21/2025 D A | No | XX |
| 26 | XX | XX | Not Applicable C | Not Applicable | XX |
| 27 | XX | XX | Not Applicable | Not Applicable | XX |
| 29 | XX | XX | Not Applicable D | Not Applicable | XX |
| 61 | XX | XX | Not Applicable C | Not Applicable | XX |
| 77 | XX | XX | Not Applicable | No | XX |
| 79 | XX | XX | Not Applicable D | Not Applicable | XX |
| 87 | XX | XX | 03/04/2062 A | Not Applicable | XX |
| 97 | XX | XX | 02/24/2026 D A | Not Applicable | XX |
| 104 | XX | XX | 03/25/2026 C A | Not Applicable | XX |
| 106 | XX | XX | Not Applicable C | Not Applicable | XX |
| 114 | XX | XX | Not Applicable D | Not Applicable | XX |
| 124 | XX | XX | Not Applicable C | Not Applicable | XX |
| 128 | XX | XX | Not Applicable C | Not Applicable | XX |
| 141 | XX | XX | Not Applicable | Not Applicable | XX |
| 148 | XX | XX | Not Applicable | Not Applicable | XX |
| 151 | XX | XX | Not Applicable | Not Applicable | XX |
| 153 | XX | XX | Not Applicable C | Not Applicable | XX |
| 157 | XX | XX | Not Applicable | Not Applicable | XX |
| 161 | XX | XX | Not Applicable | Not Applicable | XX |
| 165 | XX | XX | Not Applicable | Not Applicable | XX |
| 217 | XX | XX | 07/09/2025 A | Not Applicable | XX |
| 256 | XX | XX | Not Applicable | Not Applicable | XX |
| 265 | XX | XX | 07/16/2025 D A | No | XX |
| 313 | XX | XX | 06/09/2022 A | Not Applicable | XX |
| 318 | XX | XX | Not Applicable D B | Yes | XX |
| 324 | XX | XX | 07/21/2025 A | No | XX |
| 339 | XX | XX | Not Applicable | Not Applicable | XX |
| 344 | XX | XX | 06/08/2022 C A | Not Applicable | XX |
| 353 | XX | XX | Not Applicable | No | XX |
| 371 | XX | XX | 07/28/2025 A | Not Applicable | XX |
| 378 | XX | XX | Not Applicable | No | XX |
| 391 | XX | XX | 07/07/2025 D A C B | Not Applicable | XX |
| 405 | XX | XX | Not Applicable C | No | XX |
| 406 | XX | XX | 07/09/2025 A | No | XX |
| 452 | XX | XX | 08/11/2025 C A | Not Applicable | XX |
| 454 | XX | XX | Not Applicable | No | XX |
| 473 | XX | XX | 07/09/2025 A | Not Applicable | XX |
| 485 | XX | XX | Not Applicable | No | XX |
| 558 | XX | XX | 06/17/2025 C A B | Not Applicable | XX |
| 565 | XX | XX | 07/08/2025 A | Not Applicable | XX |
| 581 | XX | XX | 08/06/2025 C A B | No | XX |
| 626 | XX | XX | Not Applicable | No | XX |
| 654 | XX | XX | Not Applicable | No | XX |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans (as defined in (2) below) originated by multiple correspondent lenders and acquired directly via reliance letter by Rithm Capital, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted on Loans with origination dates from April 2025 through May 2026 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained one hundred seventy-seven (177) Loans totaling an aggregate original principal balance of approximately $105.192 million (the "Loans").

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), Fitch Ratings, Inc. ("Fitch") and KBRA, Inc. ("Kroll").

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;As-Is Value Used For LTV Calculation | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Zip |

---

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.

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

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

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![](ex99-4_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

2 \| P a g e

![](ex99-4_001.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) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

3 \| P a g e

![](ex99-4_001.jpg)

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

---

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

---

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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);

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ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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;

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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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

 

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the 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.

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**(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):

● Initial application (1003);

● Underwriting summary / loan approval (1008);

● Credit report;

● Income and employment documentation;

● 4506T;

● 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;

● 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.

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

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

**(9) Disclaimer.**

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

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![](ex99-4_001.jpg)

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** 

Of the one hundred seventy-seven (177) Loans reviewed, all one hundred seventy-seven (177) Loans or (100%) received an overall "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;144 | &nbsp;&nbsp;81.36% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;33 | &nbsp;&nbsp;18.64% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**177** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Seventy-six (76) Loans are DSCR loans and will not have a compliance grade.

Of the one hundred one (101) Loans reviewed for compliance, all one hundred one (101) Loans or (100%) received an "A" or "B" compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;93 | &nbsp;&nbsp;92.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;7.92% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**101** | &nbsp;&nbsp;**100.00%** |

---

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![](ex99-4_001.jpg)

**CREDIT RESULTS SUMMARY**

All one hundred seventy-seven (177) Loans (100%) reviewed received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;151 | &nbsp;&nbsp;85.31% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;26 | &nbsp;&nbsp;14.69% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**177** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All one hundred seventy-seven (177) (100%) reviewed under the applicable rating agency criteria, received an "A" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;177 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**177** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY** 

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***13*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**13** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***34*** |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**34** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**47** |

---

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![](ex99-4_001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

The one hundred seventy-seven (177) Loans reviewed had a total of one hundred five (105) different tape discrepancies across eleven (11) data fields (some Loans had more than one data delta). The largest variances were found on Borrower Last Name, As-Is Value Used For LTV Calculation and Contract Sales Price where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;177 | &nbsp;&nbsp;0.56% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;177 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;As-Is Value Used For LTV Calculation | &nbsp;&nbsp;17 | &nbsp;&nbsp;132 | &nbsp;&nbsp;12.88% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;9 | &nbsp;&nbsp;102 | &nbsp;&nbsp;8.82% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;45 | &nbsp;&nbsp;177 | &nbsp;&nbsp;25.42% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;177 | &nbsp;&nbsp;0.56% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;16 | &nbsp;&nbsp;177 | &nbsp;&nbsp;9.04% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;102 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;158 | &nbsp;&nbsp;6.33% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;177 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;177 | &nbsp;&nbsp;0.56% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;177 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;177 | &nbsp;&nbsp;0.56% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;176 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;177 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;3 | &nbsp;&nbsp;177 | &nbsp;&nbsp;1.69% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;177 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**105** | &nbsp;&nbsp;**3301** | &nbsp;&nbsp;**3.18%** | &nbsp;&nbsp;**177** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;177 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$105192320.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**177** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$105192320.00** | &nbsp;&nbsp;**100.00%** |

---

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![](ex99-4_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;177 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$105192320.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**177** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$105192320.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;76 | &nbsp;&nbsp;42.94% | &nbsp;&nbsp;$44538829.00 | &nbsp;&nbsp;42.34% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;26 | &nbsp;&nbsp;14.69% | &nbsp;&nbsp;$13189283.00 | &nbsp;&nbsp;12.54% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;44 | &nbsp;&nbsp;24.86% | &nbsp;&nbsp;$23096296.00 | &nbsp;&nbsp;21.96% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;31 | &nbsp;&nbsp;17.51% | &nbsp;&nbsp;$24367912.00 | &nbsp;&nbsp;23.17% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**177** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$105192320.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;177 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$105192320.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**177** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$105192320.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;94 | &nbsp;&nbsp;53.11% | &nbsp;&nbsp;$60478226.00 | &nbsp;&nbsp;57.49% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;9 | &nbsp;&nbsp;5.08% | &nbsp;&nbsp;$2735275.00 | &nbsp;&nbsp;2.60% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.39% | &nbsp;&nbsp;$2068300.00 | &nbsp;&nbsp;1.97% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.56% | &nbsp;&nbsp;$311250.00 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;50 | &nbsp;&nbsp;28.25% | &nbsp;&nbsp;$29745668.00 | &nbsp;&nbsp;28.28% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;9 | &nbsp;&nbsp;5.08% | &nbsp;&nbsp;$3717250.00 | &nbsp;&nbsp;3.53% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.69% | &nbsp;&nbsp;$1217000.00 | &nbsp;&nbsp;1.16% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.82% | &nbsp;&nbsp;$4919351.00 | &nbsp;&nbsp;4.68% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**177** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$105192320.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;76 | &nbsp;&nbsp;42.94% | &nbsp;&nbsp;$50564255.00 | &nbsp;&nbsp;48.07% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;97 | &nbsp;&nbsp;54.80% | &nbsp;&nbsp;$52620365.00 | &nbsp;&nbsp;50.02% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.26% | &nbsp;&nbsp;$2007700.00 | &nbsp;&nbsp;1.91% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**177** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$105192320.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| |
|:---|
| ![](ex99-4sch1_001.jpg) |
| **Valuation Report** |
| **Run Date - 6/XX/2026 4:48:56 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| Dropped loan | XX | XX | XX |  | 4/XX/2025 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 822 | XX | XX | XX |  | 12/XX/2025 | XX | XX | XX |  | $0.00 | 0.000% | XX | 12/XX/2025 | 12/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 12/XX/2025 | 12/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 671 | XX | XX | XX |  | 11/XX/2025 | XX |  | XX |  | $0.00 | 0.000% | XX | 9/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -3.230% | 11/XX/2025 | 11/XX/2025 | Appraisal | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 674 | XX | XX | XX |  | 11/XX/2025 | XX |  | XX |  | $0.00 | 0.000% | XX | 9/XX/2025 | 9/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 11/XX/2025 | 9/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| 676 | XX | XX | XX |  | 11/XX/2025 | XX |  | XX |  | $0.00 | 0.000% | XX | 8/XX/2025 | 8/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 738 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 710 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 709 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 755 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 781 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 757 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 730 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 730 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 720 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | XX | -7.940% | 4/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| 771 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 677 | XX | XX | XX |  | 2/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 1/XX/2026 | 12/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -0.060% | 12/XX/2025 | 12/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 684 | XX | XX | XX |  | 2/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 1/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 688 | XX | XX | XX |  | 2/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 1/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 821 | XX | XX | XX |  | 2/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 11/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 831 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 764 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 726 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| 699 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 2/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 704 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 1/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 1/XX/2026 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 682 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 718 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 801 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 792 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 778 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 721 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 798 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 4/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 800 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 756 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 713 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 797 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| Dropped loan | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 827 | XX | XX | XX |  | 11/XX/2025 | XX |  | XX |  | $0.00 | 0.000% | XX | 10/XX/2025 | 10/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 10/XX/2025 | 10/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 679 | XX | XX | XX |  | 2/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 2/XX/2026 | 1/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 725 | XX | XX | XX |  | 3/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 697 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 700 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 712 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 780 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 4/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 734 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 742 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 735 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 729 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 773 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 794 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 698 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 675 | XX | XX | XX |  | 11/XX/2025 | XX | XX | XX |  | $0.00 | 0.000% | XX | 10/XX/2025 | 10/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 673 | XX | XX | XX |  | 2/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 11/XX/2025 | 10/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 824 | XX | XX | XX |  | 2/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 2/XX/2026 | 2/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 825 | XX | XX | XX |  | 2/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 691 | XX | XX | XX |  | 2/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 672 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 11/XX/2025 | 10/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 11/XX/2025 | 10/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 689 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 2/XX/2026 | 2/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 833 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 2/XX/2026 | Field Review | XX |  |  |  |  |  |  |  |  | $0.00 | XX | -100.000% | XX | Indeterminate | 2/XX/2026 | 2/XX/2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 828 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 683 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 2/XX/2026 | 1/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| 681 | XX | XX | XX |  | 3/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 686 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 823 | XX | XX | XX |  | 3/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 731 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 2/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 716 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 835 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 695 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 724 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| 834 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2026 | 2/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 736 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 750 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 741 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 772 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 837 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.70 |
| 706 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 765 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 739 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 749 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 750 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 836 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 789 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 680 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 1/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 694 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 748 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 678 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 1/XX/2026 | 12/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 722 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 719 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 690 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  | XX | XX | 0.540% | 2/XX/2026 | 1/XX/2026 | Appraisal | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 746 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 785 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  | XX | XX | -3.250% | 4/XX/2026 | 4/XX/2026 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 751 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 791 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 4/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 750 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| Dropped loan | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 4/XX/2026 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 759 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 685 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 2/XX/2026 | 1/XX/2026 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 745 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 819 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  | XX | XX | -2.190% | 1/XX/2026 | 1/XX/2026 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| 814 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 817 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 816 | XX | XX | XX |  | 5/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 747 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 737 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 807 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 769 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 820 | XX | XX | XX |  | 5/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 696 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  | XX | XX | 0.840% | 4/XX/2026 | 2/XX/2026 | Appraisal | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| 733 | XX | XX | XX |  | 5/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 826 | XX | XX | XX |  | 2/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 1/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.70 |
| 687 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 1/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 686 | XX | XX | XX |  | 3/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| 830 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 2/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 707 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
| 832 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  | XX | XX | -5.170% | 3/XX/2026 | 2/XX/2026 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.10 |
| 692 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 1/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 703 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  | XX | XX | 0.850% | 2/XX/2026 | 2/XX/2026 | Appraisal | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 705 | XX | XX | XX |  | 3/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 2/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 717 | XX | XX | XX |  | 3/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 2/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 829 | XX | XX | XX |  | 3/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.20 |
| 744 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 777 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 702 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 754 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| 715 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 693 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | XX | 0.020% | XX | 3/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 762 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 711 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 714 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 742 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 723 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 701 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 2/XX/2026 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| 758 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 763 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 784 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 752 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 783 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 790 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 727 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  | XX | XX | -9.120% | 3/XX/2026 | 1/XX/2026 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| 775 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 742 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 728 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 779 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 808 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 4/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 761 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 776 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 4/XX/2026 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 803 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 809 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 1/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 1/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 786 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| Dropped loan | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 788 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 802 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 766 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 774 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 1/XX/2026 | 1/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 760 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 2/XX/2026 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 767 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 804 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 787 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 770 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 793 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 4/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| 806 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 743 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 12/XX/2025 | 12/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 768 | XX | XX | XX |  | 5/XX/2026 | XX |  | XX |  | XX | 0.480% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Appraisal | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| 740 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  | XX | XX | 9.380% | 3/XX/2026 | 3/XX/2026 | Appraisal | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 813 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 708 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 2/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 815 | XX | XX | XX |  | 5/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 4/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| 795 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 753 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 799 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2026 | 3/XX/2026 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 796 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 811 | XX | XX | XX |  | 5/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 782 | XX | XX | XX |  | 4/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 818 | XX | XX | XX |  | 5/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 810 | XX | XX | XX |  | 5/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 732 | XX | XX | XX |  | 4/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2026 | 3/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 812 | XX | XX | XX |  | 5/XX/2026 | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 805 | XX | XX | XX |  | 5/XX/2026 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2026 | 4/XX/2026 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| |
|:---|
| ![](ex99-4sch2_001.jpg) |
| **ASF Addendum - Business Purpose** |
| **Run Date - 6/17/2026 4:48:59 PM** |

---

---

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| Marketing ID | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| Dropped loan | XX | XX | XX |  |  | XX | XX | XX | 01/01/2000 | Yes | No | Long Term |  | $1900.00 | 1004/70 | $1900.00 | Third Party Rental Source | $1384.55 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | $1384.55 |  |  | No |  |  |  | Long Term |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $24400.00 | No |  | $187.20 | $225.25 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.42 |  |  | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 40.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  | XX | XX | 60.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/04/2025 | 751 | Fair Isaac (VER. 2) | 786 | FICO Classic V5 Facta | 767 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1958 | 1021 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 118.750% | XX |  |  |  |  |  |  |  |  |  |  |
| 822 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $3600.00 | 1025/72 | $3600.00 | Third Party Rental Source | $2434.39 |  | 0.000000 | 0.68 |  |  | 1.48 | 1.48 | $2434.39 |  |  | No |  |  |  | Long Term |  | $1600.00 | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $47900.00 | No |  | $331.42 | $206.08 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 736 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 11/21/2025 | 737 | Fair Isaac (VER. 2) | 734 | FICO Classic V5 Facta | 736 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1900 | 1650 | 6 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 671 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes |  |  |  |  |  |  |  | $17059.97 |  | 0.045771 |  |  |  |  |  | $17059.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $526.47 | $767.21 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  | 27.92 |  |  | 795 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | FICO II | 08/13/2025 | 811 | FICO II | 795 | Beacon 5 | 784 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 4 | 1931 | 3750 | 11 | 4 | Average |  |  | $135545.11 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 738 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $2495.00 | 1004/70 | $2495.00 | Third Party Rental Source | $2143.47 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $2143.47 |  |  | No |  |  |  | Long Term |  | $2495.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $35110.00 | Yes | $121.67 | $317.28 | $88.70 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 03/05/2026 | 799 | Fair Isaac (VER. 2) | 749 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2025 | 2082 | 3 | 2.1 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
| 710 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $5600.00 | 1004/70 | $5600.00 | Third Party Rental Source | $5593.33 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $5593.33 |  |  | No |  |  |  | Long Term |  | $5600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $61200.00 | No |  | $1772.18 | $147.25 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 4.80 | US Citizen |  | 723 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/12/2026 | 747 | Fair Isaac (VER. 2) | 723 | FICO Classic V5 Facta | 711 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1955 | 1931 | 4 | 2.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 730 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes |  |  |  |  |  |  |  | $7105.37 |  | 0.378097 |  |  |  |  |  | $7105.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $876.27 | $328.85 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 0.29 | US Citizen |  | 701 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/12/2026 | 658 | Fair Isaac (VER. 2) | 701 | FICO Classic V5 Facta | 708 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2006 | 4302 | 3 | 2.1 | C3 |  |  | $30548.26 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 730 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes |  |  |  |  |  |  |  | $3606.94 |  | 0.116828 |  |  |  |  |  | $3606.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $657.22 | $274.25 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  | 2.83 |  |  | 706 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | FICO II | 03/04/2026 | 772 | FICO II | 673 | Beacon 5 | 706 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1959 | 2681 | 5 | 3 | C3 |  |  | $45323.74 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 684 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | No |  |  |  |  |  |  |  | $9478.38 |  | 0.486169 |  |  |  |  |  | $9478.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $1108.94 | $746.12 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 721 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Fair Isaac (VER. 2) | 01/13/2026 | 738 | Fair Isaac (VER. 2) | 664 | FICO Classic V5 Facta | 721 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1926 | 2550 | 3 | 2 | C3 | XX |  | $57489.62 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 699 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | No |  |  |  |  |  |  |  | $3472.33 |  | 0.114364 |  |  |  |  |  | $3472.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $373.50 | $329.64 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 14.01 |  |  | 709 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX |  | Limited Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Fair Isaac (VER. 2) | 04/01/2026 | 709 | Fair Isaac (VER. 2) | 704 | FICO Classic V5 Facta | 734 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2000 | 1830 | 5 | 3 | C3 |  |  | $269873.86 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 682 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes |  |  |  |  |  |  |  | $4814.93 |  | 0.305302 |  |  |  |  |  | $4814.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $510.93 | $100.00 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 816 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/13/2026 | 828 | Fair Isaac (VER. 2) | 816 | FICO Classic V5 Facta | 801 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1920 | 1375 | 3 | 1.1 | C2 | XX |  | $23452.00 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 756 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | No |  |  |  |  |  |  |  | $1422.60 |  | 0.295917 |  |  |  |  |  | $1422.60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $186.00 | $152.62 | $72.17 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 791 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/12/2026 | 768 | Fair Isaac (VER. 2) | 791 | FICO Classic V5 Facta | 793 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2002 | 1390 | 2 | 2.1 | C3 | XX |  | $9328.90 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 827 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $2000.00 | $5300.00 | 1025/72 | $5300.00 | Third Party Rental Source | $4371.43 |  | 0.000000 | 0.82 |  |  | 1.21 | 1.21 | $4371.43 |  |  | Yes | 01/01/2025 | 12/31/2026 | 24 | Long Term | $2000.00 | $2000.00 | No |  |  |  | Long Term |  | $3300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $130000.00 | No |  | $477.05 | $478.35 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 15.80 | US Citizen |  | 753 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/14/2025 | 742 | Fair Isaac (VER. 2) | 753 | FICO Classic V5 Facta | 763 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1935 | 1881 | 3 | 2.1 | Average |  | $0.00 |  |  |  |  |  |  |  | 65.000% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 679 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $1250.00 | 1073/465 | $1250.00 | Third Party Rental Source | $1523.73 |  | 0.000000 | 1.22 |  |  | 0.82 | 0.82 | $1523.73 |  |  | No |  |  |  | Long Term |  | $1250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $10000.00 | Yes | $92.00 | $181.47 | $56.17 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 717 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/13/2026 | 717 | Fair Isaac (VER. 2) | 706 | FICO Classic V5 Facta | 727 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1980 | 2094 | 3 | 2.1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 725 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $2350.00 | 1004/70 | $2350.00 | Third Party Rental Source | $1750.21 |  | 0.000000 | 0.74 |  |  | 1.34 | 1.34 | $1750.21 |  |  | No |  |  |  | Long Term |  | $2350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $46300.00 | No |  | $519.67 | $155.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 807 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/03/2026 | 826 | FICO II | 807 | Beacon 5 | 786 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1964 | 1073 | 3 | 1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 65.000% | XX |  |  | 65.000% |  |  | 65.000% |  |  |  |  |  |  |  |  |
| 697 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $2100.00 | $2000.00 | 1004/70 | $2000.00 | Third Party Rental Source | $1807.15 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $1807.15 |  |  | Yes | 01/01/2026 | 01/01/2027 | 12 | Long Term | $2100.00 | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $300.00 | $159.83 | $100.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 22.71 | Non-Permanent Resident Alien |  | 780 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 01/09/2026 | 801 | Fair Isaac (VER. 2) | 720 | FICO Classic V5 Facta | 780 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1982 | 1954 | 3 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 74.111% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $2000.00 | 1004/70 | $2000.00 | Third Party Rental Source | $1215.68 |  | 0.000000 | 0.61 |  |  | 1.65 | 1.65 | $1215.68 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22000.00 | No |  | $202.06 | $55.17 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  |  | Experienced Investor | 0.61 |  |  | 715 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 94.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | FICO II | 04/13/2026 | 755 | FICO II | 715 | Beacon 5 | 706 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1920 | 1184 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 61.632% | XX |  |  |  |  |  |  |  |  |  |  |
| 712 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $2000.00 | 1025/72 | $2000.00 | Third Party Rental Source | $1797.77 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $1797.77 |  |  | No |  |  |  | Long Term |  | $1100.00 | No |  |  |  | Long Term |  | $900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $28000.00 | No |  | $228.51 | $91.17 | Level 4-Stated/Verified as defined | No | 1 | 11 | No | No |  | Experienced Investor | 0.80 | US Citizen |  | 704 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 11 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/13/2026 | 704 | Fair Isaac (VER. 2) | 701 | FICO Classic V5 Facta | 718 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1930 | 2032 | 4 | 3 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 80.357% | XX |  |  |  |  |  |  |  |  |  |  |
| 780 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $6900.00 | 1025/72 | $6900.00 | Third Party Rental Source | $4165.08 |  | 0.000000 | 0.6 |  |  | 1.66 | 1.66 | $4165.08 |  |  | No |  |  |  | Long Term |  | $3700.00 | No |  |  |  | Long Term |  | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $623.32 | $381.42 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 3.09 | US Citizen |  | 727 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/24/2026 | 726 | FICO II | 727 | Beacon 5 | 738 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1995 | 2000 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 50.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 734 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $1950.00 | $2000.00 | 1073/465 | $2000.00 | Third Party Rental Source | $1887.52 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | $1887.52 |  |  | Yes | 10/21/2025 | 10/20/2026 | 12 | Long Term | $1950.00 | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $15000.00 | Yes | $423.00 | $232.22 | $49.83 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 8.44 | US Citizen |  | 797 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/11/2026 | 796 | Fair Isaac (VER. 2) | 797 | FICO Classic V5 Facta | 799 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1959 | 536 | 0 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 43.902% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 742 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $7000.00 | $4700.00 | 1004/70 | $7000.00 | Rent on Existing Lease | $5364.14 |  | 0.000000 | 0.77 |  |  | 1.30 | 1.3 | $5364.14 |  |  | Yes | 06/01/2026 | 05/31/2027 | 12 | Long Term | $7000.00 | $4700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $150000.00 | No |  | $723.98 | $83.08 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | Permanent Resident Alien |  | 806 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | 03/09/2026 | 815 | FICO II | 806 | Beacon 5 | 797 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1935 | 1700 | 5 | 1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 57.692% | XX |  |  | 57.692% |  |  | 57.692% |  |  |  |  |  |  |  |  |
| 735 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $12700.00 | $13100.00 | 1025/72 | $13100.00 | Third Party Rental Source | $5639.84 |  | 0.000000 | 0.43 |  |  | 2.32 | 2.32 | $5639.84 |  |  | Yes |  |  |  | Long Term | $3900.00 | $4100.00 | Yes |  |  |  | Long Term | $4600.00 | $4500.00 | Yes |  |  |  | Long Term | $4200.00 | $4500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $80000.00 | No |  | $701.65 | $320.31 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 24.32 | US Citizen |  | 823 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/04/2026 | 828 | FICO II | 813 | Beacon 5 | 823 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 3 | 1910 | 3102 | 9 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 42.857% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 729 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $2500.00 | $2500.00 | 1004/70 | $2500.00 | Rent on Existing Lease | $2236.84 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $2236.84 |  |  | Yes | 03/13/2026 | 03/13/2027 | 12 | Long Term | $2500.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25600.00 | No |  | $646.92 | $31.72 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  | No | First-Time Investor | 0.80 |  | US Citizen | 671 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/06/2026 | 691 | Fair Isaac (VER. 2) | 617 | FICO Classic V5 Facta | 671 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1930 | 1685 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 773 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $2500.00 | 1073/465 | $2500.00 | Third Party Rental Source | $2180.19 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $2180.19 |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $5000.00 | Yes | $330.00 | $233.67 | $42.67 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 718 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 03/16/2026 | 718 | Fair Isaac (VER. 2) | 699 | FICO Classic V5 Facta | 733 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2026 | 1260 | 3 | 2 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 73.451% | XX |  |  | 73.451% |  |  | 73.451% |  |  |  |  |  |  |  |  |
| 794 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Not Provided |  | $3200.00 | 1073/465 | $3200.00 | Third Party Rental Source | $3547.47 |  | 0.000000 | 1.11 |  |  | 0.90 | 0.9 | $3547.47 |  |  | No |  |  |  | Not Provided |  | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25000.00 | Yes | $363.00 | $441.65 | $65.25 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | Permanent Resident Alien |  | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | 04/16/2026 | 722 | Fair Isaac (VER. 2) | 734 | FICO Classic V5 Facta | 709 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1986 | 921 | 2 | 1.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
| 698 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $1700.00 | $1700.00 | 1004/70 | $1700.00 | Rent on Existing Lease | $1978.60 |  | 0.000000 | 1.16 |  |  | 0.86 | 0.86 | $1978.60 |  |  | Yes | 12/15/2025 | 12/14/2026 | 12 | Long Term | $1700.00 | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $104.00 | $98.57 | $172.58 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor | 0.33 | US Citizen |  | 797 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/03/2026 | 797 | Fair Isaac (VER. 2) | 797 | FICO Classic V5 Facta | 808 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2007 | 1481 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 675 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $4500.00 | 1004/70 | $4500.00 | Third Party Rental Source | $4383.62 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $4383.62 |  |  | No |  |  |  | Long Term |  | $4500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $145600.00 | No |  | $855.63 | $304.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 645 |  |  |  |  | 0 | 0 | 0 | 3 | 1 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/22/2025 | 665 | Fair Isaac (VER. 2) | 609 | FICO Classic V5 Facta | 645 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1925 | 1504 | 3 | 1.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 673 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $2600.00 | 1004/70 | $2600.00 | Third Party Rental Source | $2246.48 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $2246.48 |  |  | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $15000.00 | No |  | $323.72 | $126.69 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.48 |  |  | 751 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 97.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 12/23/2025 | 707 | Fair Isaac (VER. 2) | 779 | Beacon 5 | 751 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1956 | 1513 | 3 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 85.000% | XX |  |  | 196.842% | XX |  |  |  |  |  |  |  |  |  |  |
| 824 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $3250.00 | 1004/70 | $3250.00 | Third Party Rental Source | $2657.01 |  | 0.000000 | 0.82 |  |  | 1.22 | 1.22 | $2657.01 |  |  | No |  |  |  | Long Term |  | $3250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $46680.00 | No |  | $494.79 | $188.00 | Level 2-Stated/Not Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 801 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | 01/20/2026 | 801 | Fair Isaac (VER. 2) | 806 | FICO Classic V5 Facta | 781 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1997 | 2148 | 4 | 2.1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
| 825 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $2100.00 | 1004/70 | $2100.00 | Third Party Rental Source | $1312.54 |  | 0.000000 | 0.63 |  |  | 1.60 | 1.6 | $1312.54 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $168.33 | $113.58 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.28 |  |  | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 80.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | FICO II | 12/23/2025 | 749 | FICO II | 723 | Beacon 5 | 757 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1992 | 1346 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  |  | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 691 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $2200.00 | $2300.00 | 1004/70 | $2300.00 | Third Party Rental Source | $1793.61 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | $1793.61 |  |  | Yes | 01/01/2026 | 12/31/2026 | 12 | Long Term | $2200.00 | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22146.00 | No |  | $139.10 | $85.75 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | First-Time Investor | 0.59 |  |  | 697 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 51.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac | 12/24/2025 | 698 | Fair Isaac | 695 | Beacon 5 | 697 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1940 | 1413 | 4 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 672 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $2650.00 | $2650.00 | 1004/70 | $2650.00 | Rent on Existing Lease | $2362.30 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $2362.30 |  |  | Yes |  |  |  | Long Term | $2650.00 | $2650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $12000.00 | No |  | $392.34 | $159.00 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor | 2.93 |  |  | 751 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 97.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 12/23/2025 | 707 | Fair Isaac (VER. 2) | 779 | Beacon 5 | 751 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1956 | 1008 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 689 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $8000.00 | $3600.00 | 1004/70 | $8000.00 | Rent on Existing Lease | $7845.80 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $7845.80 |  |  | Yes | 03/01/2026 | 02/28/2027 | 12 | Long Term | $8000.00 | $3600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $90000.00 | No |  | $560.13 | $1373.31 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | First-Time Investor | 0.79 |  |  | 771 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Corp | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | FICO II | 02/19/2026 | 759 | FICO II | 780 | Beacon 5 | 771 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1954 | 3047 | 4 | 4 | C2 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 202.247% | XX |  |  |  |  |  |  |  |  |  |  |
| 833 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $8900.00 | $8900.00 | 1025/72 | $8900.00 | Rent on Existing Lease | $6244.10 |  | 0.000000 | 0.7 |  |  | 1.43 | 1.43 | $6244.10 |  |  | Yes |  |  |  | Long Term | $4300.00 | $4300.00 | Yes |  |  |  | Long Term | $4600.00 | $4600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $66000.00 | No |  | $346.38 | $295.00 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  |  | Experienced Investor | 0.10 |  |  | 750 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 5 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/02/2026 | 750 | Fair Isaac (VER. 2) | 747 | FICO Classic V5 Facta | 770 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1920 | 2000 | 7 | 3 | Average |  | $0.00 |  |  |  |  |  |  |  |  | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 828 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $1775.00 | 1004/70 | $1775.00 | Third Party Rental Source | $1101.95 |  | 0.000000 | 0.62 |  |  | 1.61 | 1.61 | $1101.95 |  |  | No |  |  |  | Long Term |  | $1775.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $16000.00 | No |  | $94.60 | $115.53 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | First-Time Investor | 0.42 |  |  | 718 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | Non-Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 02/12/2026 | 718 | Fair Isaac (VER. 2) | 727 | FICO Classic V5 Facta | 708 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1940 | 960 | 2 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 69.231% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 683 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $3011.00 | 1073/465 | $2408.80 | Multiple Sources | $2064.35 |  | 0.000000 | 0.86 |  |  | 1.17 | 1.17 | $2064.35 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $3011.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $2400.00 | Yes | $650.00 | $247.25 | $75.55 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | First-Time Investor | 0.38 |  |  | 656 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 01/11/2026 | 664 | Fair Isaac (VER. 2) | 646 | FICO Classic V5 Facta | 656 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1986 | 1056 | 2 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 681 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $2900.00 | 1025/72 | $2900.00 | Third Party Rental Source | $1615.58 |  | 0.000000 | 0.56 |  |  | 1.80 | 1.8 | $1615.58 |  |  | No |  |  |  | Long Term |  | $900.00 | No |  |  |  | Long Term |  | $1200.00 | No |  |  |  | Long Term |  | $800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $52000.00 | No |  | $300.75 | $106.08 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | First-Time Investor |  |  |  | 720 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 01/22/2026 | 714 | Fair Isaac (VER. 2) | 720 | FICO Classic V5 Facta | 736 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 3 | 1920 | 3524 | 5 | 3 | Average | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 686 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $3900.00 | 1004/70 | $3900.00 | Third Party Rental Source | $3115.30 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $3115.30 |  |  | No |  |  |  | Long Term |  | $3900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $50000.00 | No |  | $69.05 | $121.25 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 0.85 |  |  | 798 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Corp | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 80.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 01/22/2026 | 782 | Fair Isaac (VER. 2) | 798 | FICO Classic V5 Facta | 798 | FICO Risk Score Classic 04 | 3 | XX | XX | 20.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 01/22/2026 | 778 | Fair Isaac (VER. 2) | 779 | FICO Classic V5 Facta | 795 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1922 | 1396 | 3 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 65.000% | XX |  |  | 133.333% | XX |  |  |  |  |  |  |  |  |  |  |
| 823 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $3600.00 | 1004/70 | $3600.00 | Third Party Rental Source | $3598.89 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $3598.89 |  |  | No |  |  |  | Long Term |  | $3600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $87400.00 | No |  | $650.73 | $123.33 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | Non-Permanent Resident Alien |  | 719 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 02/27/2026 | 717 | Fair Isaac (VER. 2) | 729 | FICO Classic V5 Facta | 719 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1951 | 1614 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 82.449% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 731 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $2450.00 | $2200.00 | 1004/70 | $2200.00 | Third Party Rental Source | $1548.65 |  | 0.000000 | 0.7 |  |  | 1.42 | 1.42 | $1548.65 |  |  | Yes | 07/01/2023 | 07/01/2028 | 60 | Long Term | $2450.00 | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $12000.00 | No |  | $101.57 | $136.25 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.22 |  |  | 761 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 90.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 01/14/2026 | 828 | Fair Isaac (VER. 2) | 761 | Beacon 5 | 761 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1972 | 1636 | 3 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 59.926% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 716 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $8650.00 | $9600.00 | 1025/72 | $9600.00 | Third Party Rental Source | $6617.12 |  | 0.000000 | 0.69 |  |  | 1.45 | 1.45 | $6617.12 |  |  | Yes |  |  |  | Long Term | $1800.00 | $2400.00 | Yes |  |  |  | Long Term | $2050.00 | $2400.00 | Yes | 09/01/2025 | 09/30/2026 | 13 | Long Term | $2500.00 | $2400.00 | Yes | 05/01/2025 | 05/31/2026 | 13 | Long Term | $2300.00 | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $112220.00 | No |  | $1464.51 | $240.75 | Level 2-Stated/Not Verified | No | 1 | 3 | No | No |  | Experienced Investor | 4.35 | US Citizen |  | 701 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | 02/23/2026 | 701 | FICO II | 687 | Beacon 5 | 719 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 4 | 1900 | 3219 | 8 | 4 | Average |  | $0.00 |  |  |  |  |  |  |  | 74.770% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 835 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $1950.00 | 1004/70 | $1950.00 | Third Party Rental Source | $1944.00 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1944.00 |  |  | No |  |  |  | Long Term |  | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | No |  | $170.14 | $159.60 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 725 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/04/2026 | 719 | Fair Isaac (VER. 2) | 700 | FICO Classic V5 Facta | 716 | FICO Risk Score Classic 04 | 3 | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/04/2026 | 740 | Fair Isaac (VER. 2) | 717 | FICO Classic V5 Facta | 725 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1957 | 1064 | 3 | 1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 695 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $2300.00 | 1004/70 | $2300.00 | Third Party Rental Source | $1844.41 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $1844.41 |  |  | No |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25000.00 | Yes | $33.33 | $430.09 | $113.08 | Level 1-Not Stated/Not Verified | No | 1 | 4 | No |  | No | Experienced Investor | 1.76 |  | US Citizen | 759 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Trust | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Individual | Trustee |  | XX | XX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 02/03/2026 | 763 | Fair Isaac (VER. 2) | 727 | Beacon 5 | 759 | FICO Risk Score Classic 04 | Trustee | XX | XX | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | 02/03/2026 | 743 | Fair Isaac (VER. 2) | 707 | Beacon 5 | 704 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2024 | 1403 | 3 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 79.811% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 724 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $2100.00 | 1004/70 | $2100.00 | Third Party Rental Source | $1986.67 |  | 0.000000 | 0.95 |  |  | 1.06 | 1.06 | $1986.67 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $48700.00 | Yes | $50.00 | $193.62 | $142.19 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 782 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/30/2026 | 775 | Fair Isaac | 782 | FICO Classic V5 Facta | 801 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2022 | 1632 | 3 | 2.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 834 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $2800.00 | $2800.00 | 1004/70 | $2800.00 | Rent on Existing Lease | $2506.00 |  | 0.000000 | 0.9 |  |  | 1.12 | 1.12 | $2506.00 |  |  | Yes | 12/01/2025 | 12/01/2026 | 12 | Long Term | $2800.00 | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $39300.00 | No |  | $389.20 | $93.46 | Level 1-Not Stated/Not Verified | No | 1 | 4 | No |  |  | Experienced Investor | 1.07 |  |  | 773 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 3 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 02/13/2026 | 788 | Fair Isaac (VER. 2) | 773 | FICO Classic V5 Facta | 753 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1959 | 715 | 2 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 736 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $1650.00 | 1004/70 | $1650.00 | Third Party Rental Source | $1317.69 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $1317.69 |  |  | No |  |  |  | Long Term |  | $1650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $61.02 | $139.17 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.28 |  |  | 706 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Corp | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 01/09/2026 | 698 | Fair Isaac (VER. 2) | 712 | FICO Classic V5 Facta | 706 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1987 | 2092 | 5 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 65.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 750 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $3200.00 | 1004/70 | $3200.00 | Third Party Rental Source | $2064.53 |  | 0.000000 | 0.65 |  |  | 1.55 | 1.55 | $2064.53 |  |  | No |  |  |  | Long Term |  | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $49340.00 | No |  | $61.05 | $133.08 | Level 1-Not Stated/Not Verified | No | 1 | 11 | No |  |  | Experienced Investor | 2.07 |  |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 3 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/09/2026 | 776 | Fair Isaac (VER. 2) | 709 | FICO Classic V5 Facta | 695 | FICO Risk Score Classic 04 | 3 | XX | XX | 50.00% | Full Recourse | 3 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/09/2026 | 762 | Fair Isaac (VER. 2) | 733 | FICO Classic V5 Facta | 744 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1971 | 1351 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 59.429% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 741 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $4075.00 | 1025/72 | $4075.00 | Third Party Rental Source | $2889.03 |  | 0.000000 | 0.71 |  |  | 1.41 | 1.41 | $2889.03 |  |  | No |  |  |  | Long Term |  | $2200.00 | No |  |  |  | Long Term |  | $1875.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $505.00 | $182.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 666 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/03/2026 | 652 | Fair Isaac (VER. 2) | 666 | FICO Classic V5 Facta | 671 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 2 | 1923 | 1732 | 4 | 2 | Average | XX | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 772 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $1900.00 | 1004/70 | $1900.00 | Third Party Rental Source | $1409.88 |  | 0.000000 | 0.74 |  |  | 1.35 | 1.35 | $1409.88 |  |  | No |  |  |  | Long Term |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $24000.00 | Yes | $29.58 | $439.50 | $171.15 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 770 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/17/2026 | 793 | Fair Isaac (VER. 2) | 761 | FICO Classic V5 Facta | 770 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1983 | 1605 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 55.556% | XX |  |  | 55.556% |  |  | 55.556% |  |  |  |  |  |  |  |  |
| 837 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $5050.00 | 1004/70 | $5050.00 | Third Party Rental Source | $5049.92 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $5049.92 |  |  | No |  |  |  | Long Term |  | $5050.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $103400.00 | No |  | $1352.06 | $187.08 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No | No | First-Time Investor |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 715 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | Non-Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | 03/10/2026 | 648 | Fair Isaac (VER. 2) | 653 | FICO Classic V5 Facta | 668 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 03/10/2026 | 725 | Fair Isaac (VER. 2) | 715 | FICO Classic V5 Facta | 699 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1923 | 1519 | 3 | 2.1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 79.962% | XX |  |  | 79.962% |  |  | 79.962% |  |  |  |  |  |  |  |  |
| 706 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $7550.00 | $4000.00 | 1004/70 | $7550.00 | Rent on Existing Lease | $6767.38 |  | 0.000000 | 0.9 |  |  | 1.12 | 1.12 | $6767.38 |  |  | Yes | 05/01/2026 | 04/30/2028 | 24 | Long Term | $7550.00 | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $98100.00 | Yes | $233.00 | $917.00 | $185.42 | Level 4-Stated/Verified as defined | No | 1 | 1 | Yes | Yes |  | First-Time Investor |  | Foreign National |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2025 | 3300 | 4 | 4.1 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 65.000% | XX |  |  | 65.000% |  |  | 65.000% |  |  |  |  |  |  |  |  |
| 765 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $13250.00 | $14000.00 | 1025/72 | $14000.00 | Third Party Rental Source | $9165.39 |  | 0.000000 | 0.65 |  |  | 1.53 | 1.53 | $9165.39 |  |  | Yes |  |  |  | Long Term | $3450.00 | $3500.00 | Yes |  |  |  | Long Term | $3500.00 | $3500.00 | Yes |  |  |  | Long Term | $3150.00 | $3500.00 | Yes |  |  |  | Long Term | $3150.00 | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $203700.00 | No |  | $709.26 | $474.67 | Level 4-Stated/Verified as defined | No | 1 | 18 | No | No | No | Experienced Investor | 13.78 | US Citizen | US Citizen | 685 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 17 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/17/2026 | 647 | FICO II | 682 | Beacon 5 | 687 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 17 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/17/2026 | 647 | FICO II | 687 | Beacon 5 | 685 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 4 | 1914 | 3004 | 4 | 4 | C4 |  | $0.00 |  |  |  |  |  |  |  | 65.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 739 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $14470.00 | 1073/465 | $14470.00 | Third Party Rental Source | $11163.62 |  | 0.000000 | 0.77 |  |  | 1.30 | 1.3 | $11163.62 |  |  | No |  |  |  | Long Term |  | $14470.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Yes | $2288.00 | $1851.07 | $309.68 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.41 |  |  | 669 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/03/2026 | 669 | Fair Isaac (VER. 2) | 680 | FICO Classic V5 Facta | 651 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2006 | 2679 | 2 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 98.442% | XX |  |  | 98.442% | XX |  |  |  |  |  |  |  |  |  |  |
| 749 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $2375.00 | 1004/70 | $2375.00 | Third Party Rental Source | $2340.65 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $2340.65 |  |  | No |  |  |  | Long Term |  | $2375.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18000.00 | Yes | $49.25 | $269.13 | $470.32 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 0.50 |  |  | 743 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/11/2026 | 778 | Fair Isaac (VER. 2) | 669 | FICO Classic V5 Facta | 650 | FICO Risk Score Classic 04 | 3 | XX | XX | 50.00% | Full Recourse | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/11/2026 | 804 | Fair Isaac (VER. 2) | 712 | FICO Classic V5 Facta | 743 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1967 | 3279 | 4 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 98.913% | XX |  |  |  |  |  |  |  |  |  |  |
| 750 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $2300.00 | $1900.00 | 1025/72 | $1900.00 | Third Party Rental Source | $1571.28 |  | 0.000000 | 0.83 |  |  | 1.21 | 1.21 | $1571.28 |  |  | Yes | 07/01/2025 | 07/31/2025 | 1 | Long Term | $1100.00 | $950.00 | Yes | 02/01/2026 | 01/31/2027 | 12 | Long Term | $1200.00 | $950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $29500.00 | No |  | $281.08 | $163.25 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  |  | Experienced Investor | 0.75 |  |  | 808 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/06/2026 | 809 | Fair Isaac (VER. 2) | 808 | FICO Classic V5 Facta | 808 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1966 | 1419 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 96.438% | XX |  |  |  |  |  |  |  |  |  |  |
| 836 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $1425.00 | 1004/70 | $1425.00 | Third Party Rental Source | $1116.74 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | $1116.74 |  |  | No |  |  |  | Long Term |  | $1425.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $150.66 | $103.72 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/25/2026 | 748 | Fair Isaac (VER. 2) | 765 | FICO Classic V5 Facta | 762 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1927 | 1265 | 2 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 789 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $2300.00 | $2400.00 | 1004/70 | $2400.00 | Third Party Rental Source | $2080.33 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $2080.33 |  |  | Yes | 08/01/2023 | 08/01/2026 | 36 | Long Term | $2300.00 | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $33600.00 | No |  | $208.12 | $125.84 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.09 |  |  | 763 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 12/29/2025 | 757 | Fair Isaac (VER. 2) | 778 | FICO Classic V5 Facta | 763 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1990 | 2883 | 4 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 680 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $2400.00 | 1004/70 | $2400.00 | Third Party Rental Source | $3100.38 |  | 0.000000 | 1.29 |  |  | 0.77 | 0.77 | $3100.38 |  |  | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $36500.00 | Yes | $44.00 | $669.31 | $174.83 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 3.66 | US Citizen |  | 689 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/11/2026 | 691 | Fair Isaac (VER. 2) | 689 | FICO Classic V5 Facta | 685 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1996 | 2133 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 84.337% | XX |  |  |  |  |  |  |  |  |  |  |
| 694 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $3500.00 | $2700.00 | 1004/70 | $2700.00 | Third Party Rental Source | $2874.65 |  | 0.000000 | 1.06 |  |  | 0.94 | 0.94 | $2874.65 |  |  | Yes | 08/01/2025 | 08/01/2026 | 12 | Long Term | $3500.00 | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $42800.00 | No |  | $349.50 | $124.08 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor | 0.16 | US Citizen |  | 726 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/03/2026 | 735 | Fair Isaac (VER. 2) | 726 | FICO Classic V5 Facta | 715 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1961 | 1657 | 3 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 72.091% | XX |  |  | 146.200% | XX |  |  |  |  |  |  |  |  |  |  |
| 748 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $4800.00 | 1004/70 | $4800.00 | Third Party Rental Source | $4288.25 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $4288.25 |  |  | No |  |  |  | Long Term |  | $4800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $45600.00 | No |  | $332.95 | $641.22 | Level 2-Stated/Not Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 753 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | 03/07/2026 | 787 | Fair Isaac (VER. 2) | 739 | FICO Classic V5 Facta | 753 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1978 | 2157 | 4 | 2.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 678 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $3100.00 | $2900.00 | 1073/465 | $3100.00 | Rent on Existing Lease | $2827.88 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $2827.88 |  |  | Yes | 12/31/2025 | 12/30/2026 | 12 | Long Term | $3100.00 | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $620.00 | $257.66 | $47.42 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 39.47 | US Citizen |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/20/2026 | 794 | Fair Isaac (VER. 2) | 744 | FICO Classic V5 Facta | 722 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1984 | 993 | 2 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 48.800% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 722 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $6100.00 | 1073/465 | $6100.00 | Third Party Rental Source | $1968.95 |  | 0.000000 | 0.32 |  |  | 3.10 | 3.1 | $1968.95 |  |  | No |  |  |  | Long Term |  | $6100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $8000.00 | Yes | $786.00 | $73.75 | $233.37 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 2.28 | US Citizen |  | 664 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/20/2026 | 664 | Fair Isaac (VER. 2) | 653 | FICO Classic V5 Facta | 695 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1981 | 1756 | 2 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 68.421% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 719 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $2200.00 | 1004/70 | $2200.00 | Third Party Rental Source | $1574.90 |  | 0.000000 | 0.72 |  |  | 1.40 | 1.4 | $1574.90 |  |  | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $6000.00 | Yes | $15.00 | $378.29 | $167.82 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 0.81 |  |  | 704 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 04/02/2026 | 719 | Fair Isaac (VER. 2) | 704 | FICO Classic V5 Facta | 699 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1974 | 2140 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 65.000% | XX |  |  | 88.992% | XX |  |  |  |  |  |  |  |  |  |  |
| 690 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $25000.00 | $20000.00 | 1004/70 | $25000.00 | Rent on Existing Lease | $20744.79 |  | 0.000000 | 0.83 |  |  | 1.21 | 1.21 | $20744.79 |  |  | Yes | 04/02/2026 | 04/03/2027 | 12 | Long Term | $25000.00 | $20000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $2107.53 | $1198.08 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor | 5.24 |  |  | 734 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 90.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/05/2026 | 697 | Fair Isaac (VER. 2) | 743 | FICO Classic V5 Facta | 734 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2024 | 4105 | 5 | 5.1 | C1 |  | $0.00 |  |  |  |  |  |  |  | 65.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 746 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $5400.00 | $5500.00 | 1004/70 | $5500.00 | Third Party Rental Source | $5498.04 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $5498.04 |  |  | Yes | 02/03/2026 | 01/31/2027 | 11 | Long Term | $5400.00 | $5500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $172130.00 | No |  | $985.47 | $156.32 | Level 1-Not Stated/Not Verified | No | 1 | 8 | No |  | No | Experienced Investor | 3.22 |  | US Citizen | 696 |  |  |  |  | 1 | 0 | 0 | 1 | 0 | 0 | No | XX | Trust | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Individual | Individually and as Trustee |  | XX | XX | 9 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/04/2026 | 696 | Fair Isaac (VER. 2) | 692 | FICO Classic V5 Facta | 701 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1980 | 1938 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 51.250% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 785 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $10000.00 | 1004/70 | $10000.00 | Third Party Rental Source | $7732.47 |  | 0.000000 | 0.77 |  |  | 1.29 | 1.29 | $7732.47 |  |  | No |  |  |  | Long Term |  | $10000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $89400.00 | No |  | $352.08 | $373.72 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 803 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 03/24/2026 | 811 | Fair Isaac (VER. 2) | 802 | FICO Classic V5 Facta | 803 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1977 | 4250 | 1 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 751 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $2300.00 | 1004/70 | $2300.00 | Third Party Rental Source | $1816.51 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | $1816.51 |  |  | No |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $28000.00 | Yes | $95.00 | $215.62 | $71.04 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No | No | First-Time Investor |  | US Citizen | US Citizen | 808 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/09/2026 | 814 | Fair Isaac (VER. 2) | 805 | Beacon 5 | 808 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 03/09/2026 | 773 | Fair Isaac (VER. 2) | 736 | Beacon 5 | 743 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2026 | 2196 | 5 | 2.1 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 791 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $2500.00 | $5000.00 | 1025/72 | $5000.00 | Third Party Rental Source | $3594.39 |  | 0.000000 | 0.72 |  |  | 1.39 | 1.39 | $3594.39 |  |  | No |  |  |  | Long Term |  | $2500.00 | Yes |  |  |  | Long Term | $2500.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $48700.00 | No |  | $448.49 | $144.92 | Level 4-Stated/Verified as defined | No | 1 | 14 | No | No |  | Experienced Investor | 0.31 | US Citizen |  | 713 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 14 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/25/2026 | 713 | Fair Isaac (VER. 2) | 709 | FICO Classic V5 Facta | 742 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1920 | 1607 | 4 | 2 | Good |  | $0.00 |  |  |  |  |  |  |  | 69.855% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 750 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $15000.00 | $7400.00 | 1004/70 | $15000.00 | Rent on Existing Lease | $13282.70 |  | 0.000000 | 0.89 |  |  | 1.13 | 1.13 | $13282.70 |  |  | Yes | 04/14/2026 | 04/13/2027 | 12 | Long Term | $15000.00 | $7400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $120200.00 | No |  | $834.55 | $1146.07 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.36 |  |  | 736 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/11/2026 | 736 | Fair Isaac (VER. 2) |  |  | 714 | FICO Risk Score Classic 04 | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1958 | 2965 | 4 | 3.1 | C2 |  | $0.00 |  |  |  |  |  |  |  |  | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| Dropped loan | XX | XX | XX |  |  | XX | XX | XX | 01/01/2000 | Yes | Yes | Long Term | $4200.00 | $4200.00 | 1025/72 | $4200.00 | Rent on Existing Lease | $3712.59 |  | 0.000000 | 0.88 |  |  | 1.13 | 1.13 | $3712.59 |  |  | Yes |  |  |  | Long Term | $2100.00 | $2100.00 | Yes |  |  |  | Long Term | $2100.00 | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $905.79 | $179.08 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 15.26 | US Citizen |  | 779 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/30/2026 | 779 | Fair Isaac (VER. 2) | 788 | FICO Classic V5 Facta | 778 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 2 | 1909 | 2012 | 5 | 2 | Good |  | $0.00 |  |  |  |  |  |  |  | 57.143% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 759 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term |  | $3400.00 | 1004/70 | $3400.00 | Third Party Rental Source | $4822.77 |  | 0.000000 | 1.42 |  |  | 0.70 | 0.7 | $4822.77 |  |  | Yes |  |  |  | Long Term |  | $3400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $644.83 | $246.88 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 0.81 |  |  | 781 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/12/2026 | 780 | Fair Isaac (VER. 2) | 781 | FICO Classic V5 Facta | 788 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1958 | 2059 | 3 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 685 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $2491.71 | $4707.00 | 1004/70 | $4707.00 | Third Party Rental Source | $5655.48 |  | 0.000000 | 1.2 |  |  | 0.83 | 0.83 | $5655.48 |  |  | Yes | 04/18/2026 | 04/17/2027 | 12 | Long Term | $2491.71 | $4707.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30000.00 | No |  | $749.62 | $165.29 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.65 |  |  | 681 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 01/20/2026 | 681 | Fair Isaac (VER. 2) | 666 | FICO Classic V5 Facta | 684 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1942 | 1308 | 3 | 1.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 95.954% | XX |  |  |  |  |  |  |  |  |  |  |
| 745 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $3000.00 | 1004/70 | $3000.00 | Third Party Rental Source | $2105.87 |  | 0.000000 | 0.7 |  |  | 1.42 | 1.42 | $2105.87 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18000.00 | No |  | $256.50 | $239.89 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 0.21 |  |  | 693 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 82.00% | Full Recourse | 4 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 04/23/2026 | 691 | Fair Isaac (VER. 2) | 693 | FICO Classic V8 Facta | 709 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1960 | 3935 | 7 | 3 | C2 |  | $0.00 |  |  |  |  |  |  |  | 55.682% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 819 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term | $7500.00 | $3400.00 | 1004/70 | $7500.00 | Rent on Existing Lease | $5107.01 |  | 0.000000 | 0.68 |  |  | 1.47 | 1.47 | $5107.01 |  |  | Yes | 05/01/2026 | 04/30/2027 | 12 | Long Term | $7500.00 | $3400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $10.00 | $118.94 | $186.51 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor | 1.66 |  |  | 785 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/10/2026 | 769 | Fair Isaac (VER. 2) | 785 | FICO Classic V5 Facta | 790 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2025 | 2017 | 3 | 3.1 | C1 |  | $0.00 |  |  |  |  |  |  |  | 72.190% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 814 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $3500.00 | 1004/70 | $3500.00 | Third Party Rental Source | $2711.73 |  | 0.000000 | 0.77 |  |  | 1.29 | 1.29 | $2711.73 |  |  | No |  |  |  | Long Term |  | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $388.50 | $164.82 | Level 4-Stated/Verified as defined | No | 2 | 4 | No |  |  | Experienced Investor | 2.58 |  |  | 674 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/27/2026 | 645 | Fair Isaac (VER. 2) | 674 | FICO Classic V5 Facta | 693 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1973 | 2226 | 4 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 87.889% | XX |  |  |  |  |  |  |  |  |  |  |
| 817 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $3200.00 | 1073/465 | $3200.00 | Third Party Rental Source | $3355.99 |  | 0.000000 | 1.05 |  |  | 0.95 | 0.95 | $3355.99 |  |  | No |  |  |  | Long Term |  | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $45000.00 | Yes | $521.00 | $703.13 | $126.65 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor |  |  | US Citizen | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Trust | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individually and as Trustee |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/09/2026 | 753 | FICO II | 723 | Beacon 5 | 735 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1985 | 1013 | 2 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 51.852% | XX |  |  | 51.852% |  |  | 51.852% |  |  |  |  |  |  |  |  |
| 816 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $5100.00 | 1025/72 | $5100.00 | Third Party Rental Source | $3883.13 |  | 0.000000 | 0.76 |  |  | 1.31 | 1.31 | $3883.13 |  |  | No |  |  |  | Long Term |  | $1600.00 | No |  |  |  | Long Term |  | $1400.00 | No |  |  |  | Long Term |  | $1200.00 | No |  |  |  | Long Term |  | $900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $26000.00 | No |  | $637.23 | $605.58 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.60 |  |  | 705 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 85.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/09/2026 | 712 | Fair Isaac (VER. 2) | 705 | FICO Classic V5 Facta | 675 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 4 | 1940 | 3732 | 9 | 7 | C2 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 747 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $3000.00 | 1025/72 | $3000.00 | Third Party Rental Source | $1788.32 |  | 0.000000 | 0.6 |  |  | 1.68 | 1.68 | $1788.32 |  |  | No |  |  |  | Long Term |  | $750.00 | No |  |  |  | Long Term |  | $750.00 | No |  |  |  | Long Term |  | $750.00 | No |  |  |  | Long Term |  | $750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $50000.00 | No |  | $56.67 | $369.58 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 5.05 |  |  | 790 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 33.33% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | FICO II | 02/24/2026 | 790 | FICO II | 803 | Beacon 5 | 782 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 4 | 1947 | 3315 | 8 | 4.4 | Average |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 25.594% | XX |  |  |  |  |  |  |  |  |  |  |
| 737 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $2600.00 | 1004/70 | $2600.00 | Third Party Rental Source | $2064.28 |  | 0.000000 | 0.79 |  |  | 1.26 | 1.26 | $2064.28 |  |  | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $546.79 | $77.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/22/2026 | 769 | Fair Isaac (VER. 2) | 788 | FICO Classic V5 Facta | 767 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 1953 | 1708 | 4 | 1.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 807 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $4400.00 | 1004/70 | $4400.00 | Third Party Rental Source | $4174.23 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $4174.23 |  |  | No |  |  |  | Long Term |  | $4400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | No |  | $615.84 | $341.18 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.89 |  |  | 754 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 51.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 01/27/2026 | 766 | Fair Isaac (VER. 2) | 727 | Beacon 5 | 754 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1961 | 2428 | 5 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 68.950% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 769 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $3000.00 | 1004/70 | $3000.00 | Third Party Rental Source | $2950.60 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $2950.60 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $386.44 | $218.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.26 |  |  | 670 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | Yes | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Fair Isaac (VER. 2) | 03/16/2026 | 680 | Fair Isaac (VER. 2) | 666 | FICO Classic V5 Facta | 670 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1978 | 1520 | 3 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  |  | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 820 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $3000.00 | 1004/70 | $3000.00 | Third Party Rental Source | $2639.00 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $2639.00 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $70000.00 | No |  | $646.42 | $98.67 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 797 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/23/2026 | 608 | Fair Isaac (VER. 2) | 659 | FICO Classic V5 Facta | 668 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/17/2026 | 801 | Fair Isaac (VER. 2) | 791 | FICO Classic V5 Facta | 797 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2025 | 2102 | 3 | 3.1 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 696 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | No | Long Term |  | $13750.00 | 1004/70 | $13750.00 | Third Party Rental Source | $16749.39 |  | 0.000000 | 1.22 |  |  | 0.82 | 0.82 | $16749.39 |  |  | No |  |  |  | Long Term |  | $13750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $669.35 | $498.07 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 704 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/23/2026 | 704 | Fair Isaac (VER. 2) | 707 | FICO Classic V5 Facta | 702 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2008 | 6714 | 7 | 6 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 733 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes | Yes | Long Term |  | $2300.00 | 1004/70 | $2300.00 | Third Party Rental Source | $2643.74 |  | 0.000000 | 1.15 |  |  | 0.87 | 0.87 | $2643.74 |  |  | Yes |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $174.08 | $268.58 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.19 |  |  | 713 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | FICO II | 03/06/2026 | 710 | FICO II | 713 | Beacon 5 | 725 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1968 | 2452 | 3 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 200.000% | XX |  |  | 200.000% | XX |  |  |  |  |  |  |  |  |  |  |
| 707 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | No |  |  |  |  |  |  |  | $12533.75 |  | 0.153001 |  |  |  |  |  | $12533.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $2187.50 | $196.25 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Fair Isaac (VER. 2) | 02/03/2026 | 727 | Fair Isaac (VER. 2) | 749 | FICO Classic V5 Facta | 712 | FICO Risk Score Classic 04 | 3 | XX | XX |  | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Fair Isaac (VER. 2) | 02/03/2026 | 733 | Fair Isaac (VER. 2) | 787 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2025 | 1926 | 3 | 3.1 | C1 |  |  | $153779.12 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 777 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | No |  |  |  |  |  |  |  | $2811.23 |  | 0.206196 |  |  |  |  |  | $2811.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $19.07 | $138.17 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 39.22 | US Citizen |  | 720 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/21/2026 | 735 | Fair Isaac (VER. 2) | 720 | FICO Classic V5 Facta | 709 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2026 | 2004 | 4 | 2 | C1 |  |  | $24281.42 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 715 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes |  |  |  |  |  |  |  | $6570.82 |  | 0.189180 |  |  |  |  |  | $6570.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $1057.08 | $548.42 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  | 0.11 | US Citizen |  | 730 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 6 | US Citizen |  |  | Level 3-Stated/Partially Verified | 01/26/2026 | 729 | Fair Isaac (VER. 2) | 730 | FICO Classic V5 Facta | 758 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1999 | 2525 | 4 | 3 | C3 |  |  | $255933.63 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 693 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | No |  |  |  |  |  |  |  | $3556.27 |  | 0.115349 |  |  |  |  |  | $3556.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $348.92 | $155.58 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 0.26 |  |  | 709 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 11 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Fair Isaac (VER. 2) | 01/31/2026 | 709 | Fair Isaac (VER. 2) | 704 | FICO Classic V5 Facta | 734 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2011 | 2772 | 5 | 3.1 | C3 |  |  | $269873.85 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 762 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes |  |  |  |  |  |  |  | $5353.84 |  | 0.148562 |  |  |  |  |  | $5353.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $201.33 | $955.84 | $286.87 | Level 4-Stated/Verified as defined |  |  |  | No |  | No |  | 0.37 |  | US Citizen | 668 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Trust | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individually and as Trustee | Employed | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/04/2026 | 668 | Fair Isaac (VER. 2) | 664 | Beacon 5 | 711 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2000 | 2672 | 4 | 3 | C3 |  |  | $139972.62 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 701 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes |  |  |  |  |  |  |  | $3077.50 |  | 0.109208 |  |  |  |  |  | $3077.50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $650.79 | $129.54 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 4.51 |  |  | 709 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 11 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Fair Isaac (VER. 2) | 01/31/2026 | 709 | Fair Isaac (VER. 2) | 704 | FICO Classic V5 Facta | 734 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1920 | 1441 | 3 | 2 | C3 |  |  | $269873.86 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 758 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | No |  |  |  |  |  |  |  | $4132.18 |  | 0.481355 |  |  |  |  |  | $4132.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $783.00 | $917.89 | $160.40 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 0 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 1 | Foreign National | VISA | XX | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 5-Stated/Verified as defined |  | 03/16/2026 | 0 |  | 0 |  | 0 |  | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2017 | 2842 | 6 | 6 | C3 | XX |  | $9741.65 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |
| 727 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | No |  |  |  |  |  |  |  | $14027.04 |  | 0.157848 |  |  |  |  |  | $14027.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $2239.58 | $199.50 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  | 3.01 |  |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Fair Isaac (VER. 2) | 02/03/2026 | 733 | Fair Isaac (VER. 2) | 787 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 | 3 | XX | XX |  | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Fair Isaac (VER. 2) | 02/03/2026 | 727 | Fair Isaac (VER. 2) | 749 | FICO Classic V5 Facta | 712 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2025 | 1794 | 3 | 2.1 | C1 |  |  | $153779.12 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 776 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | No |  |  |  |  |  |  |  | $6774.17 |  | 0.298836 |  |  |  |  |  | $6774.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $192.00 | $1109.38 | $157.42 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/19/2026 | 722 | Fair Isaac (VER. 2) | 701 | FICO Classic V5 Facta | 754 | FICO Risk Score Classic 04 | Individual | Individual | Employed | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 03/19/2026 | 725 | Fair Isaac (VER. 2) | 716 | FICO Classic V5 Facta | 701 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 2026 | 3353 | 5 | 4.1 | C1 | XX |  | $57473.62 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 767 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | No |  |  |  |  |  |  |  | $3905.96 |  | 0.445104 |  |  |  |  |  | $3905.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $625.00 | $87.83 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/23/2026 | 732 | FICO II | 753 | Beacon 5 | 735 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1926 | 786 | 1 | 1 | C3 | XX |  | $18099.02 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 804 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes |  |  |  |  |  |  |  | $5601.39 |  | 0.113170 |  |  |  |  |  | $5601.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $137.00 | $387.58 | $545.90 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | Non-Permanent Resident Alien |  | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 3 | Non-Permanent Resident Alien | Employment Authorization | XX | Level 4-Stated/Verified as defined | 02/10/2026 | 730 | Fair Isaac (VER. 2) | 735 | FICO Classic V5 Facta | 760 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1983 | 2120 | 4 | 2 | C4 | XX |  | $153855.81 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 743 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes |  |  |  |  |  |  |  | $2096.18 |  | 0.294749 |  |  |  |  |  | $2096.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $112.04 | $43.83 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  | 0.76 |  |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 12 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Fair Isaac (VER. 2) | 04/09/2026 | 758 | Fair Isaac (VER. 2) | 776 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1959 | 1242 | 4 | 2 | C2 |  |  | $81345.08 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 768 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes |  |  |  |  |  |  |  | $22608.11 |  | 0.454380 |  |  |  |  |  | $22608.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $160.00 | $3940.91 | $1068.02 | Level 4-Stated/Verified as defined |  |  |  | No |  | No |  | 1.33 |  | US Citizen | 728 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual | Employed | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/24/2026 | 678 | Fair Isaac (VER. 2) | 641 | FICO Classic V5 Facta | 663 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Fair Isaac (VER. 2) | 02/24/2026 | 770 | Fair Isaac (VER. 2) | 728 | FICO Classic V5 Facta | 727 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1971 | 3802 | 4 | 3.1 | C2 |  |  | $146992.33 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 799 | XX | XX | XX |  |  | XX | XX | XX | 08/01/2025 | Yes |  |  |  |  |  |  |  | $6137.95 |  | 0.295379 |  |  |  |  |  | $6137.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $760.74 | $100.58 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 1.10 | US Citizen |  | 732 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 13 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/10/2026 | 710 | Fair Isaac (VER. 2) | 732 | FICO Classic V5 Facta | 736 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | 1944 | 1052 | 3 | 2 | C2 |  |  | $372103.11 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-4sch3_001.jpg) |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** |  |  |  |  |  |  |  |  |
| **Run Date - 6/17/2026 4:48:55 PM** |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** |
| Dropped Loan | XX | XX | XX |  | XX | XX D |  |  |  |  |  |  | A | D | B |  |  |  |  |  | A | B |
| 822 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 671 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | B | A | A | A | A | A | A | B |
| 674 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | B | A | A | A | A | A | A | B |
| 676 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | B | A | A | A | A | A | A | B |
| 738 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 710 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 709 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A |
| 755 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 781 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 757 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | B | B | B | B | B | A | B |
| 730 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | B | A | A | A | A | A | A | B |
| 730 | XX | XX | XX |  | XX | XX B |  | A | A | A | A | A | A | B | A | A | A | A | A | A | A | A |
| 720 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 771 | XX | XX | XX |  | XX | XX B |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 677 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | B | B | B | B | B | A | B |
| 684 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | B | A | A | A | A | A | A | B |
| 688 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 821 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | B | A | A | A | A | A | A | B |
| 831 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 764 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | B | A | A | A | A | A | A | B |
| 726 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | C | C | A | A | A | A | A | A | A | A |
| 699 | XX | XX | XX |  | XX | XX C |  | B | B | B | B | B | A | C | A | A | A | A | A | A | A | A |
| 704 | XX | XX | XX |  | XX | XX B |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 682 | XX | XX | XX |  | XX | XX B |  | A | A | A | A | A | A | B | B | A | A | A | A | A | A | B |
| 718 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 801 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 792 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 778 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 721 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 798 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 800 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 756 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 713 | XX | XX | XX |  | XX | XX B |  | A | A | A | A | A | A | B | B | A | A | A | A | A | A | B |
| 797 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Dropped Loan | XX | XX | XX |  | XX | XX A |  | B | B | B | B | B | A | B | A | B | B | B | B | B | A | B |
| 827 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 679 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 725 | XX | XX | XX |  | XX | XX C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 697 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 700 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 712 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 780 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 734 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 742 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 735 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 729 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 773 | XX | XX | XX |  | XX | XX B |  | N/A | N/A | N/A | N/A | N/A | A | B | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 794 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 698 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 675 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 673 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 824 | XX | XX | XX |  | XX | XX C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 825 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 691 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 672 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 689 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 833 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A B | C | A | N/A | N/A | N/A | N/A | N/A | A B | A B |
| 828 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 683 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 681 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 686 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 823 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 731 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 716 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 835 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 695 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 724 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 834 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 736 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 750 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 741 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 772 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 837 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 706 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 765 | XX | XX | XX |  | XX | XX B |  | N/A | N/A | N/A | N/A | N/A | C | C | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 739 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 749 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 750 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 836 | XX | XX | XX |  | XX | XX B |  | N/A | N/A | N/A | N/A | N/A | A | B | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 789 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 680 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 694 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 748 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 678 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 722 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 719 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 690 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 746 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 785 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 751 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 791 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 750 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| Dropped Loan | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 759 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 685 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 745 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 819 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 814 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 817 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 816 | XX | XX | XX |  | XX | XX C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 747 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 737 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 807 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 769 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 820 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 696 | XX | XX | XX |  | XX | XX B |  | N/A | N/A | N/A | N/A | N/A | A | B | B | N/A | N/A | N/A | N/A | N/A | A | B |
| 733 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A | A |
| 826 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 687 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 686 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 830 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 707 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 832 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 692 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | B | C | A | A | A | A | A | A | A | A |
| 703 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 705 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 717 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 829 | XX | XX | XX |  | XX | XX A |  | B | B | B | B | B | A | B | A | B | B | B | B | B | A | B |
| 744 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 777 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 702 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | B | A | A | A | A | A | A | B |
| 754 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 715 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 693 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 762 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 711 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 714 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 742 | XX | XX | XX |  | XX | XX B |  | B | B | B | B | B | A | B | A | A | A | A | A | A | A | A |
| 723 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | B | B | B | B | B | A | B |
| 701 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 758 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 763 | XX | XX | XX |  | XX | XX B |  | A | A | A | A | A | A | B | B | A | A | A | A | A | A | B |
| 784 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 752 | XX | XX | XX |  | XX | XX B |  | A | A | A | A | A | A | B | A | A | A | A | A | A | A | A |
| 783 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 790 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 727 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 775 | XX | XX | XX |  | XX | XX B |  | A | A | A | A | A | A | B | A | A | A | A | A | A | A | A |
| 742 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | B | B | A | A | A | A | A | A | A | A |
| 728 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 779 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 808 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 761 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 776 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 803 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 809 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 786 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| Dropped Loan | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | B | B | B | B | B | B | A | B |
| 788 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 802 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 766 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 774 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | B | B | A | A | A | A | A | A | A | A |
| 760 | XX | XX | XX |  | XX | XX C D |  | C | C | C | C | C | B | C D | A | A | A | A | A | A | A | A |
| 767 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 804 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 787 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 770 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 793 | XX | XX | XX |  | XX | XX C D |  | C | C | C | C | C | A | C D | A | B | B | B | B | B | A | B |
| 806 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 743 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 768 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 740 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 813 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 708 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 815 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 795 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 753 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 799 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 796 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 811 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 782 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | B | A | A | A | A | A | A | B |
| 818 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | B | B | B | B | B | A | B |
| 810 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 732 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |
| 812 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A | A |
| 805 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A | A |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

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| |
|:---|
| ![](ex99-4sch4_001.jpg) |
| **Data Compare (Non-Ignored)** |
| **Run Date - 6/11/2026 9:13:35 AM** |

---

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| Dropped loan | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| Dropped loan | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 822 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 671 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 671 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 671 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 671 | XX | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 730 | XX | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 730 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 684 | XX | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 684 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 821 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 831 | XX | XX | XX |  |  | Original Interest Rate | 6.75 | 7.875 | Verified | Field Value reflects the Note value |
| 831 | XX | XX | XX |  |  | Original P&I | 3242.99 | 3625.35 | Verified | Field Value reflects Note value |
| 726 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance transaction |
| 699 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 801 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Field value reflects source document |
| 679 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 780 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Its Refinance. |
| 742 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Considered purchase price for LTV calculation. |
| 673 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 673 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 825 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 691 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 672 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 672 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 689 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 833 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 828 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 683 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 681 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 686 | XX | XX | XX |  |  | Street | XX | XX | Verified | Field Value reflects Street per Note |
| 686 | XX | XX | XX |  |  | City | XX | XX | Verified | Updated as per USPS |
| 686 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 731 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 835 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 695 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 834 | XX | XX | XX |  |  | Street | XX | XX | Verified | Field Value reflects Street per Note |
| 736 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 772 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Field value reflects source document |
| 837 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 837 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Field value reflects source document |
| 706 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Field value reflects source document |
| 739 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 739 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Field value reflects source document |
| 836 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Field value reflects source document |
| 789 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 680 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 694 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance |
| 748 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Field value reflects source document |
| 678 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 722 | XX | XX | XX |  |  | # of Units |  | 1 | Verified | Field value reflects source document |
| 719 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 690 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 746 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 785 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Field value reflects source document |
| 751 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Field value reflects source document |
| 791 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 750 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 750 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Field value reflects source document |
| 685 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Alternate format, not a true discrepancy |
| 685 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
| 819 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Field value reflects source document |
| 814 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 817 | XX | XX | XX |  |  | Street | XX | XX | Verified | Field Value reflects Street per Note |
| 817 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 817 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Field value reflects source document |
| 816 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 747 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 747 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 747 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance transaction |
| 737 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Field value reflects source document |
| 807 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Field value reflects source document |
| 769 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 696 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Field value reflects source document |
| 733 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 733 | XX | XX | XX |  |  | As-Is Value Used For LTV Calculation | XX | XX | Verified | Field value reflects source document |
| 826 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 707 | XX | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 707 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 703 | XX | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 703 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 703 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance transaction |
| 693 | XX | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 693 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 742 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 742 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | It is Refinance file |
| 701 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 758 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 752 | XX | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 752 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 752 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance transaction |
| 727 | XX | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 727 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 742 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance transaction |
| 779 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 761 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 809 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance transaction |
| 760 | XX | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 793 | XX | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value not reflecting. |
| 793 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 793 | XX | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 743 | XX | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 743 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 768 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

---

| |
|:---|
| ![](ex99-4sch5_001.jpg) |
| **Exception Grades** |
| **Run Date - 6/17/2026 4:48:55 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| Dropped loan | XX | XX | XX |  | 33785206 | 12025021845-2798 | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 for XX is not provided. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (2025-04-24): Waived with compensating factors per lender request. |  |  | 04/24/2025 | 2 C B | XX | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| Dropped loan | XX | XX | XX |  | 33785207 | 12025021845-2800 | 04/18/2025 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit Report and Fraud Report for XX is not provided. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (2025-04-24): Waived with compensating factors per lender request. |  |  | 04/24/2025 | 2 D B | XX | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| Dropped loan | XX | XX | XX |  | 33785208 | 12025021845-578 | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | Borrower: XX | Birth Date is not provided. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (2025-04-24): Waived with compensating factors per lender request. |  |  | 04/24/2025 | 2 B | XX | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| Dropped loan | XX | XX | XX |  | 33785209 | 12025021845-23698 | 04/18/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX | No evidence of fraud report in file. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (2025-04-24): Waived with compensating factors per lender request. |  |  | 04/24/2025 | 2 C B | XX | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| Dropped loan | XX | XX | XX |  | 33785211 | 12025021845-4507 | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing provided is not recent. |  |  |  | Reviewer Comment (2025-04-23): Clear<br>Buyer Comment (2025-04-21): Please find cert of good standing. Please accept although past 10 days from the Note. Thank you. | 04/23/2025 |  |  | 1 C A | XX | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| Dropped loan | XX | XX | XX |  | 33785212 | 12025021845-4513 | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-04-23): Clear<br>Buyer Comment (2025-04-21): Please find attached. Thank you | 04/23/2025 |  |  | 1 C A | XX | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 822 | XX | XX | XX |  | 36393032 | 32025112277-5205 | 01/07/2026 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2026-01-12): Received fraud report reflects OFAC search for business entity. Verified and updated details. Exception Cleared.<br>Buyer Comment (2026-01-08): Fraud Report with corrected entity name for OFAC screening. | 01/12/2026 |  |  | 1 C A | XX | CT | Investment | Purchase | C A |  | N/A | No |
| 671 | XX | XX | XX |  | 36393086 | 12025081300-3831 | 03/13/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow two transfer appraisals. Both were ordered through XX, which is an approved XX | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $129,341.14<br>Reserves: 13.64<br> Guideline Requirement: 9.00<br>DTI: 4.57705% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: 795 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2026-03-13): Waived with compensating factors per lender exception approval at origination. |  |  | 03/13/2026 | 2 B | XX | NY | Investment | Refinance - Rate/Term | A B | Exempt from ATR | N/A | No |
| 674 | XX | XX | XX |  | 36393087 | 12025100645-34957 | 12/03/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,367.00 exceeds tolerance of $-4,208.75. Insufficient or no cure was provided to the borrower. (9300) | There is no sufficient cure amount provided in the file |  |  |  | Reviewer Comment (2025-12-12): SitusAMC received valid COC document<br>Buyer Comment (2025-12-11): Please see attached 11.21.2025 CD and COC<br>Buyer Comment (2025-12-11): Please see attached 11.21.2025 rate lock | 12/12/2025 |  |  | 1 C A | XX | FL | 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 | Exempt from ATR | Exempt from ATR | No |
| 674 | XX | XX | XX |  | 36393088 | 12025100645-23698 | 12/03/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX | Fraud report is missing in the file |  |  |  | Reviewer Comment (2025-12-08): Fraud Report<br>Buyer Comment (2025-12-04): Fraud | 12/08/2025 |  |  | 1 C A | XX | FL | Second Home | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 674 | XX | XX | XX |  | 36393091 | 12025100645-3831 | 12/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow master project policy on basic form, that does not include ordinance and law coverage A, B & C. | Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: Retirement Income - Fully Verified<br> Disposable Income: $9,989.96<br>DTI: 28.87228% <br> Guideline Maximum DTI: 50.00000%<br>Loan Purpose: Refinance<br> Monthly Debt Reduction: -31.00664%<br>Guidelines Representative FICO: 660<br> Representative FICO: 736 | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-08): Waived with compensating factors per lender exception approval at origination. |  |  | 12/08/2025 | 2 B | XX | FL | Second Home | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 676 | XX | XX | XX |  | 36393095 | 12025110263-7038 | 12/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/14/2025) | Initial Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-12-09): SitusAMC received signed copy of the 11/14 initial CD.<br>Buyer Comment (2025-12-08): 11.14 CD Signed | 12/09/2025 |  |  | 1 C A | XX | NV | Primary | Refinance - Rate/Term | No Defined Cure B A | Exempt from ATR | Exempt from ATR | No |
| 676 | XX | XX | XX |  | 36393096 | 12025110263-767 | 12/04/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 52484.00 | All judgements are required to be paid off. |  |  |  | Reviewer Comment (2026-03-23): Waived per lender exception received post-consummation.<br>Buyer Comment (2026-03-19): Situs, PLEASE note exception wast for both open conditions. Please see attached. Thank you. |  |  | 03/23/2026 | 2 B | XX | NV | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 676 | XX | XX | XX |  | 36393097 | 12025110263-29639 | 12/04/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing insurance verification for REO property on XX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | Reserves: 490.33<br> Guideline Requirement: 9.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 806<br>Documentation Type: 1yr Full Doc<br> Disposable Income: $31,196.03 | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-18): Lender approved exception post close with compensating factors<br>Buyer Comment (2026-03-16): Please see attached exception. Thank you.<br>Reviewer Comment (2025-12-18): Insurance verification along with letter of explanation is required. Exception Remains<br>Buyer Comment (2025-12-16): Situs PLEASE note HOI NOT included in REO on 1003 as tenants' responsibility. Please clear. Thank you. |  |  | 03/18/2026 | 2 C B | XX | NV | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 738 | XX | XX | XX |  | 36455705 | 12603005136-3831 | 04/29/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the lease for the primary residence to cover the most recent 12-month period, along with verification of timely payments made (either canceled checks front and back or bank statements showing account ownership and payments debited by landlord) are required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 38.94<br> Guideline Requirement: 0.00<br>Guidelines Representative FICO: 640<br> Representative FICO: 749 | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-05-07): Waived with compensating factors per lender approved exception allowing only the VOR form from a private individual.<br>Buyer Comment (2026-05-05): Please see exception attached. Thank you. |  |  | 05/07/2026 | 2 C B | XX | NC | Investment | Purchase | C B A |  | N/A | No |
| 710 | XX | XX | XX |  | 36455707 | 12602003652-25749 | 04/29/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final signed HUD. |  |  |  | Reviewer Comment (2026-05-06): Received final HUD and verified the details. Exception Cleared.<br>Buyer Comment (2026-05-04): Final SS | 05/06/2026 |  |  | 1 C A | XX | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 710 | XX | XX | XX |  | 36455708 | 12602003652-5347 | 04/29/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2026-05-06): Received Non-Owner Occupancy Declaration with section 4A completed. Exception Cleared.<br>Buyer Comment (2026-05-04): Non-Owner | 05/06/2026 |  |  | 1 C A | XX | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 709 | XX | XX | XX |  | 36455978 | 12602003490-30673 | 04/27/2026 | 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 |  | CDA require as per updated appraisal 1004 which is showing Effective date 03/XX/2026, Provided CDA showing effective date 03/XX/2026 as per previews appraisal. |  |  |  | Reviewer Comment (2026-05-07): CDA received and verified. Exception cleared.<br>Buyer Comment (2026-05-05): CDA | 05/07/2026 |  |  | 1 C A | XX | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| 709 | XX | XX | XX |  | 36455979 | 12602003490-37730 | 04/27/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | As per Deal notes Loan designation should "NON-QM" but as per system it is Exempt from ATR, due to this difference we are getting this Exceptions. |  |  |  | Reviewer Comment (2026-04-27): CDFI lender testing ATR | 04/27/2026 |  |  | 1 A | XX | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| 709 | XX | XX | XX |  | 36455982 | 12602003490-5366 | 04/27/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 87.40624% exceeds Guideline total debt ratio of 50.00000%. | Per Guidelines fixed expense ratio of 50% as CPA Letter does not specify as expense ratio. |  |  |  | Reviewer Comment (2026-05-01): Expense factor considered as 10%. Exception cleared.<br>Buyer Comment (2026-04-29): per guidelines, A 10% expense factor will be applied. | 05/01/2026 |  |  | 1 C A | XX | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| 709 | XX | XX | XX |  | 36455983 | 12602003490-25029 | 04/27/2026 | 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. | Per Guidelines fixed expense ratio of 50% as CPA Letter does not specify as expense ratio. |  |  |  | Reviewer Comment (2026-05-01): Expense factor considered as 10%. Exception cleared. | 05/01/2026 |  |  | 1 B A C | XX | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Exempt from ATR | No |
| 709 | XX | XX | XX |  | 36455984 | 12602003490-5695 | 04/27/2026 | 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. | Per Guidelines fixed expense ratio of 50% as CPA Letter does not specify as expense ratio. |  |  |  | Reviewer Comment (2026-05-01): Expense factor considered as 10%. Exception cleared. | 05/01/2026 |  |  | 1 C A | XX | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| 709 | XX | XX | XX |  | 36455985 | 12602003490-25035 | 04/27/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 87.40624% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Per Guidelines fixed expense ratio of 50% as CPA Letter does not specify as expense ratio. |  |  |  | Reviewer Comment (2026-05-01): Expense factor considered as 10%. Exception cleared. | 05/01/2026 |  |  | 1 C A | XX | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| 755 | XX | XX | XX |  | 36455991 | 12603005763-37730 | 04/22/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-30): CDFI lender testing ATR |  |  | 04/30/2026 | 2 A | XX | TX | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 781 | XX | XX | XX |  | 36456010 | 12603006749-37730 | 04/24/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-24): CDFI lender testing ATR. |  |  | 04/24/2026 | 2 A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 781 | XX | XX | XX |  | 36456014 | 12603006749-25029 | 04/24/2026 | 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 missing third party verification of self employment dated within 20 business days of closing for each borrower. CPA did not confirm the business is currently active. |  |  |  | Reviewer Comment (2026-05-07): Third party verification within 20 business days of Note date provided in trailing docs. | 05/07/2026 |  |  | 1 B A C | XX | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Exempt from ATR | No |
| 781 | XX | XX | XX |  | 36456015 | 12603006749-33058 | 04/24/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing third party verification of self employment dated within 20 business days of closing for each borrower. CPA did not confirm the business is currently active. |  |  |  | Reviewer Comment (2026-05-07): Third party verification within 20 business days of Note date provided in trailing docs. | 05/07/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 781 | XX | XX | XX |  | 36456016 | 12603006749-5404 | 04/24/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX, Borrower: XX Third Party Verification<br> Third Party Verification | File is missing third party verification of self employment dated within 20 business days of closing for each borrower. CPA did not confirm the business is currently active. |  |  |  | Reviewer Comment (2026-05-07): Third party verification within 20 business days of Note date provided in trailing docs.<br>Buyer Comment (2026-05-05): XX<br>Buyer Comment (2026-05-05):XXX<br>Reviewer Comment (2026-05-01): Required third party verification of self-employment dated within 20 business days of closing for each borrower. CPA did not confirm the business is currently active. Provided CPA dated March 2025.Exception remains.<br>Buyer Comment (2026-04-29): Guidelines require For self-employed borrowers, the existence of the business must be independently verified by a disinterested third <br> party. The CPA verified the existence of the business. D0736 is dated within 20 business days of the note. | 05/07/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 781 | XX | XX | XX |  | 36456017 | 12603006749-29639 | 04/24/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing third party verification of self employment dated within 20 business days of closing for each borrower. CPA did not confirm the business is currently active. |  |  |  | Reviewer Comment (2026-05-07): Third party verification within 20 business days of Note date provided in trailing docs.<br>Buyer Comment (2026-05-05): see attached docs<br>Reviewer Comment (2026-05-01): Required third party verification of self-employment dated within 20 business days of closing for each borrower. CPA did not confirm the business is currently active. Provided CPA dated March 2025.Exception remains.<br>Buyer Comment (2026-04-29): Guidelines require For self-employed borrowers, the existence of the business must be independently verified by a disinterested third <br> party. The CPA verified the existence of the business. D0736 is dated within 20 business days of the note. | 05/07/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 781 | XX | XX | XX |  | 36456018 | 12603006749-5695 | 04/24/2026 | 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 of self employment dated within 20 business days of closing for each borrower. CPA did not confirm the business is currently active. |  |  |  | Reviewer Comment (2026-05-07): Third party verification within 20 business days of Note date provided in trailing docs. | 05/07/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 757 | XX | XX | XX |  | 36456029 | 12603005910-851 | 04/27/2026 | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. |  | Flood Insurance document is not provided in file |  |  |  | Reviewer Comment (2026-04-30): Received flood insurance policy. Exception cleared.<br>Buyer Comment (2026-04-28): Please see attached | 04/30/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| 757 | XX | XX | XX |  | 36456031 | 12603005910-2835 | 04/27/2026 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2026-04-30): Received flood insurance policy. Exception cleared.<br>Buyer Comment (2026-04-28): Please see attached | 04/30/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| 757 | XX | XX | XX |  | 36456032 | 12603005910-5340 | 04/27/2026 | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post December 2015, the subject property is in a flood zone, flood insurance is not escrowed. | Flood insurance document is not provided. |  |  |  | Reviewer Comment (2026-04-30): Received flood insurance policy. Exception cleared.<br>Buyer Comment (2026-04-28): Please see attached Master Policy | 04/30/2026 |  |  | 1 B A | XX | FL | Primary | Purchase | Provide evidence the escrow account was established for the flood insurance, LOE, Corrected IEAD, corrected PCCD (if applicable) B | Non QM | Exempt from ATR | No |
| 757 | XX | XX | XX |  | 36456033 | 12603005910-37730 | 04/27/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Flood insurance document is not provided. |  |  |  | Reviewer Comment (2026-04-30): CDFI lender testing ATR<br>Buyer Comment (2026-04-28): CDFI lender testing ATR. |  |  | 04/30/2026 | 2 A | XX | FL | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| 757 | XX | XX | XX |  | 36456034 | 12603005910-28553 | 04/27/2026 | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Policy Missing | The subject property is in a flood zone, evidence of flood insurance was not provided/obtained. Failure to obtain and disclose required insurance may result in additional federal and/or state compliance violations. | Flood insurance document is not provided. |  |  |  | Reviewer Comment (2026-04-30): Received flood insurance policy. Exception cleared.<br>Buyer Comment (2026-04-28): Please see attached Master Policy | 04/30/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| 757 | XX | XX | XX |  | 36456035 | 12603005910-25029 | 04/27/2026 | 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. | Incomplete pages provided for business bank statements for January–February 2026 and for the months April 2025 through December 2025. |  |  |  | Reviewer Comment (2026-05-06): As per program guidelines, bank statements containing only the summary page (page-1) are acceptable, provided the statement reflects beginning balance, total deposits, total withdrawals, and ending balance for the period. Exception Cleared. | 05/06/2026 |  |  | 1 B A C | XX | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Exempt from ATR | No |
| 757 | XX | XX | XX |  | 36456037 | 12603005910-33058 | 04/27/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | waterfall due to incomplete pages provided for business bank statements for January–February 2026 and for the months April 2025 through December 2025. |  |  |  | Reviewer Comment (2026-05-06): As per program guidelines, bank statements containing only the summary page (page-1) are acceptable, provided the statement reflects beginning balance, total deposits, total withdrawals, and ending balance for the period. Exception Cleared. | 05/06/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| 757 | XX | XX | XX |  | 36456038 | 12603005910-34956 | 04/27/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2026 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $160,326.12 is over disclosed by $185.00 compared to the calculated Amount Financed of $160,141.12 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 04/XX/2026). (Final/XX/16/2026) | The disclosed Amount Financed in the amount of $160,326.12 is over disclosed by $185.00 compared to the calculated Amount Financed of $160,141.12. |  |  |  | Reviewer Comment (2026-05-07): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Buyer Comment (2026-05-06): Please see attached |  | 05/07/2026 |  | 2 C B | XX | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Exempt from ATR | No |
| 757 | XX | XX | XX |  | 36456039 | 12603005910-4376 | 04/27/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2026 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $251,425.11 is under disclosed by $185.00 compared to the calculated Finance Charge of $251,610.11 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 04/XX/2026). (Final/XX/16/2026) | The disclosed Finance Charge in the amount of $251,425.11 is under disclosed by $185.00 compared to the calculated Finance Charge of $251,610.11. |  |  |  | Reviewer Comment (2026-05-07): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Buyer Comment (2026-05-06): Please see attached |  | 05/07/2026 |  | 2 C B | XX | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Exempt from ATR | No |
| 757 | XX | XX | XX |  | 36456040 | 12603005910-5695 | 04/27/2026 | 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 incomplete pages provided for business bank statements for January–February 2026 and for the months April 2025 through December 2025. |  |  |  | Reviewer Comment (2026-05-06): As per program guidelines, bank statements containing only the summary page (page-1) are acceptable, provided the statement reflects beginning balance, total deposits, total withdrawals, and ending balance for the period. Exception Cleared. | 05/06/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| 757 | XX | XX | XX |  | 36456041 | 12603005910-29639 | 04/27/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Incomplete pages provided for business bank statements for January–February 2026 and for the months April 2025 through December 2025. |  |  |  | Reviewer Comment (2026-05-06): As per program guidelines, bank statements containing only the summary page (page-1) are acceptable, provided the statement reflects beginning balance, total deposits, total withdrawals, and ending balance for the period. Exception Cleared.<br>Buyer Comment (2026-05-04): Please see attached | 05/06/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| 757 | XX | XX | XX |  | 36456042 | 12603005910-33616 | 04/27/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2026-04-30): Received e-sign consent. Exception cleared.<br>Buyer Comment (2026-04-28): Please see attached | 04/30/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| 730 | XX | XX | XX |  | 36456062 | 12603004893-5404 | 04/28/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX Third Party Verification | File is missing VVOE for CPA dated within 20 business days of closing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: $18,998.05 | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-05-07): Waived with compensating factors per lender approved exception received in trailing docs.<br>Buyer Comment (2026-05-05): PFA exception<br>Reviewer Comment (2026-05-01): Provided CPA letter is already updated, require VVOE for CPA within 20 business days of closing.<br>Buyer Comment (2026-04-29): V.VOE uploaded MP |  |  | 05/07/2026 | 2 C B | XX | TX | Investment | Refinance - Cash-out - Other | C B A | N/A | Exempt from ATR | No |
| 730 | XX | XX | XX |  | 36456063 | 12603004893-29639 | 04/28/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing VVOE for CPA dated within 20 business days of closing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: $18,998.05 | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-05-07): Waived with compensating factors per lender approved exception received in trailing docs.<br>Buyer Comment (2026-05-05): PFA exception<br>Reviewer Comment (2026-05-01): Provided CPA letter is already updated, require VVOE for CPA within 20 business days of closing.<br>Buyer Comment (2026-04-29): PFA V.VOE CPA Letter dated 3rd April. |  |  | 05/07/2026 | 2 C B | XX | TX | Investment | Refinance - Cash-out - Other | C B A | N/A | Exempt from ATR | No |
| 730 | XX | XX | XX |  | 36456064 | 12603004992-30930 | 04/28/2026 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $XX is less than the note amount of $XX based on the Commitment in file. | Title Policy Coverage is less than Original Loan Amount. |  |  |  | Reviewer Comment (2026-05-05): Final title with sufficient coverage received in trailing docs.<br>Buyer Comment (2026-05-01): Final Title | 05/05/2026 |  |  | 1 B A | XX | FL | Investment | Refinance - Rate/Term | B A | N/A | Exempt from ATR | No |
| 730 | XX | XX | XX |  | 36456065 | 12603004992-23931 | 04/28/2026 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2026-05-05): Final title received in trailing docs. | 05/05/2026 |  |  | 1 A | XX | FL | Investment | Refinance - Rate/Term | B A | N/A | Exempt from ATR | No |
| 720 | XX | XX | XX |  | 36456072 | 12602004506-37730 | 04/28/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-30): CDFI lender testing ATR<br>Buyer Comment (2026-04-29): CDFI lender testing ATR. |  |  | 04/30/2026 | 2 A | XX | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 720 | XX | XX | XX |  | 36456074 | 12602004506-6542 | 04/28/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,775.00 exceeds tolerance of $4,840.00. $935.00 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Transfer Tax was last disclosed as $4,840.00 on Loan Estimate but disclosed as $5,775.00 on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2026-05-06): SitusAMC received a valid COC.<br>Buyer Comment (2026-05-06): Please find attached the COC.<br>Reviewer Comment (2026-04-30): SitusAMC Lender Credit and Lender Cure are different amounts. Provided lender Credit $2625 cannot be consider as lender cure as Cure amount is not mentioned under section J inner column. If Lender credit $2625 is provided for exceeding Appraisal fee than provide Corrected PCCD and LOX updated with $2625 under section J inner column along with Final Settlement statement in order to clear the exception.<br>Buyer Comment (2026-04-29): Please refer doc ID # XX the lender credit was already applied on the final CD dated 4/17 page 2. | 05/06/2026 |  |  | 1 C A | XX | 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 | Exempt from ATR | No |
| 771 | XX | XX | XX |  | 36456075 | 12603006357-41837 | 04/28/2026 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary; <br> State: CA |  |  |  |  | Reviewer Comment (2026-05-07): Title supplement reflecting sufficient coverage received.<br>Buyer Comment (2026-05-06): PFA<br>Reviewer Comment (2026-05-06): The document received is an amendment to the escrow instructions. Please provide either supplement to title commitment or final title reflecting sufficient coverage.<br>Buyer Comment (2026-05-01): Supplement from Title reflecting loan amount of $XX attached.<br>Buyer Comment (2026-05-01): PFA, Title Evidence: Preliminary; State: CA | 05/07/2026 |  |  | 1 B A | XX | CA | Primary | Purchase | C A B | Non QM | Exempt from ATR | No |
| 771 | XX | XX | XX |  | 36456077 | 12603006357-37730 | 04/28/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-30): CDFI lender testing ATR<br>Buyer Comment (2026-04-29): CDFI lender testing ATR. |  |  | 04/30/2026 | 2 A | XX | CA | Primary | Purchase | C A B | Non QM | Exempt from ATR | No |
| 771 | XX | XX | XX |  | 36456083 | 12603006357-3314 | 04/28/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Net Proceeds from Sale of Real Estate/Equity On Sold Property) | Document provided future dated. |  |  |  | Reviewer Comment (2026-05-05): While funding date has no bearing on this condition, file contained estimated seller's closing statement dated pre-consummation reflecting sufficient funds for subject transaction.<br>Buyer Comment (2026-05-01): Loan did not fund until 4/XX/2026. See Final Settlement Statement attached. Net proceeds from sale of Real Estate are dated 4/XX/2026 – same as funding date. | 05/05/2026 |  |  | 1 C A | XX | CA | Primary | Purchase | C A B | Non QM | Exempt from ATR | No |
| 677 | XX | XX | XX |  | 36636770 | 12025112854-6543 | 02/27/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,038.00 exceeds tolerance of $3,114.00 plus 10% or $3,425.40. $612.60 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Fie does not contain valid COC for the increase in endorsement fees from $0 to $957. Cure required: $612.60. |  |  |  | Reviewer Comment (2026-04-29): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-04-28): Please find attached the PCCD, LOE and Check.<br>Reviewer Comment (2026-04-13): SitusAMC received rebuttal comment and ICD approval email but, any cure required needs to be provided by Lender at the final. The regulation under 1026.19(f) provides that only the creditor may make the refund (or a creditor or assignee in the case of a cure under 130(b)). Having said that, if the broker issues a credit to the lender and the lender refunds the borrower to cure a tolerance violation and reflecting the cure in Section J of the CD, this would be permissible as the broker is paying the lender, and the lender is the one providing the refund/cure.<br> To complete cure, need LOE, copy of refund check to borrower and PCCD with lender credit/refund for cure reflected in Section J of the CD.<br>Buyer Comment (2026-04-10): This should have been a broker cure for under disclosed fees. Broker had approved it at ICD. <br> Please find attached the screenshot.<br>Reviewer Comment (2026-03-05): SitusAMC acknowledged that a valid COC for the endorsement fee increase was already present in the loan file. However, the provided COC dated 01/16 indicates that the endorsement fee increased from $0 to $957. Please note that document ID D0332, the initial CD dated 01/09, shows an endorsement fee of $783 disclosed without a VCC. Therefore, SitusAMC requires additional information explaining why this fee was added on the initial CD and why it was not known prior to or at the time of the initial application disclosure. Please also provide supporting information on when the lender became aware of this fee.<br>Buyer Comment (2026-03-03): The reason has already been stated in the COC, as the loan amount was increased.<br>Reviewer Comment (2026-03-03): SitusAMC received rebuttal comment. The COC referred to is for increase in endorsement fee of $783 but the fee was added on CD dated 01/09 and the COC dated 01/09 does not specify why the fee was added. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2026-03-02): Please refer doc ID D0330. |  | 04/29/2026 |  | 2 C B | XX | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | No |
| 684 | XX | XX | XX |  | 36636774 | 12601001463-5366 | 03/11/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 62.04082% exceeds Guideline total debt ratio of 50.00000%. | Due to lower income was verified than what was used by lender. |  |  |  | Reviewer Comment (2026-05-11): Additional wage earner income received in trailing docs, resulting in DTI within guidelines.<br>Reviewer Comment (2026-05-04): Received updated exception; however, there is a new exception noted for not providing an updated 1003. Without the updated 1003, income is unable to be updated to reduce the DTI to the stated amount. An updated, signed 1003 reflecting all sources of income used in lender calculations is required for review of all income/ATR exceptions.<br>Buyer Comment (2026-04-30): Please see attached Exception approval<br>Reviewer Comment (2026-04-29): The DTI listed on the lender exception's does not match the DTI in the exception. Income documents were provided but an updated application is required in order to verify the new income..<br>Buyer Comment (2026-04-27): pls see exception<br>Reviewer Comment (2026-04-14): Received wage income documentation. Condition to be re-reviewed upon receipt of a corrected loan application reflecting all sources of income used in qualification.<br>Buyer Comment (2026-04-14): Please see attached documents<br>Reviewer Comment (2026-04-02): WVOE income is not permitted on investment properties. Also, the form provided would not be acceptable without paystubs and/or w-2's. The employment would also need to be listed on the final 1003.<br>Reviewer Comment (2026-04-02): Cleared in error.<br>Reviewer Comment (2026-04-02): Employment verified with WVOE.<br>Buyer Comment (2026-04-02): Please see attached<br>Reviewer Comment (2026-04-02): Provided worksheet shows W-2 income was used for qualification, there is no documents provided for the same. Please provide the documents for W-2 income- W-2, paystubs, VVOE, WVOE.<br>Buyer Comment (2026-03-31): Please see attached Documents | 05/11/2026 |  |  | 1 C A | XX | FL | Investment | Purchase | C B A | N/A | Exempt from ATR | No |
| 684 | XX | XX | XX |  | 36636775 | 12601001463-17814 | 04/14/2026 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Per income worksheet and income documentation provided, borrower qualified using income from a salaried employment, which was not disclosed on the final 1003. Please provide signed, updated 1003 reflecting all sources of employment income for subject loan. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $33,030.53<br>Reserves: 297.02<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 721 | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-05-11): Waived with compensating factors per lender approved exception received in trailing documents.<br>Reviewer Comment (2026-05-04): Received updated exception; however, there is a new exception noted for not providing an updated 1003. Without the updated 1003, income is unable to be updated to reduce the DTI to the stated amount. An updated, signed 1003 reflecting all sources of income used in lender calculations is required for review of all income/ATR exceptions.<br>Buyer Comment (2026-04-30): Please see attached Exception approval |  |  | 05/11/2026 | 2 B | XX | FL | Investment | Purchase | C B A | N/A | Exempt from ATR | No |
| 684 | XX | XX | XX |  | 36636776 | 12601001463-5404 | 04/14/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower:XX W-2 (2025) | File is missing the required 2025 W2 for the wage earner income used in qualifying. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | Reserves: 297.02<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 721<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $33,030.53 | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-24): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-04-22): Please see attached Exception approval for no 2025 W2<br>Reviewer Comment (2026-04-20): 2025 W-2 required for the wage earner income.<br>Buyer Comment (2026-04-16): Hi Team,<br> Please advise 2025 no W2s and paystubs. We provide 2024 W2s and current paystubs Please see attached |  |  | 04/24/2026 | 2 B | XX | FL | Investment | Purchase | C B A | N/A | Exempt from ATR | No |
| 688 | XX | XX | XX |  | 36636780 | 12601001764-26033 | 03/12/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 01/XX/2026 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/28/2026) | Initial Loan Estimate dated 01/XX/2026 was electronically provided without or prior to borrower's consent to receive electronic disclosures which was dated 01/XX/2026. |  |  |  | Reviewer Comment (2026-03-26): SitusAMC received earliest e-consent.<br>Buyer Comment (2026-03-25): PFA<br>Buyer Comment (2026-03-25): PFA Audit history | 03/26/2026 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 688 | XX | XX | XX |  | 36636782 | 12601001764-3831 | 03/12/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW discretion for borrower living rent free within someone other than a spouse. |  |  |  | Reviewer Comment (2026-03-30): Received UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-03-26): UW discretion | 03/30/2026 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 688 | XX | XX | XX |  | 36636783 | 12601001764-4961 | 03/12/2026 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide a VOR for the time prior to moving in with parents to live rent free. |  |  |  | Reviewer Comment (2026-03-30): Received pay history with lease agreement. Exception cleared.<br>Buyer Comment (2026-03-26): lease<br>Buyer Comment (2026-03-26): loe/rent payments | 03/30/2026 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 688 | XX | XX | XX |  | 36636784 | 12601001764-37730 | 03/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-03-27): CDFI lender testing ATR<br>Buyer Comment (2026-03-26): Please waive<br>Buyer Comment (2026-03-25): PFA Audit history |  |  | 03/27/2026 | 2 A | XX | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 821 | XX | XX | XX |  | 36636788 | 32025111221-6583 | 03/16/2026 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $710.00 exceeds tolerance of $585.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |  | 03/13/2026 |  | 1 A | XX | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | No |
| 821 | XX | XX | XX |  | 36636789 | 32025111221-6583 | 03/16/2026 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $809.85 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |  | 03/13/2026 |  | 1 A | XX | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | No |
| 821 | XX | XX | XX |  | 36636791 | 32025111221-5404 | 03/16/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX P&L Statement | The P&L is required to be completed and signed by the CPA/Tax preparer. Per the CPA letter, the P&L was completed by the borrower and, the P&L it is not signed by the CPA. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Guidelines Representative FICO: 640<br> Representative FICO: 770<br>Reserves: 10.52<br> Guideline Requirement: 3.00 | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-31): Waived with compensating factors per lender approved exception. CPA attested to reviewing P&L and financials, and to no affiliation with borrower or business used in qualifying.<br>Reviewer Comment (2026-03-26): As this relates to ATR, an investor approved exception, detailing what was relied on pre-consummation in getting comfortable approving the loan with a borrower prepared P&L will be required for review.<br>Buyer Comment (2026-03-24): Exception to allow borrower completed P&L. |  |  | 03/31/2026 | 2 C B | XX | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 821 | XX | XX | XX |  | 36636792 | 32025111221-29639 | 03/16/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to the P&L is required to be completed and signed by the CPA/Tax preparer. Per the CPA letter, the P&L was completed by the borrower and, the P&L it is not signed by the CPA. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 10.52<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 640<br> Representative FICO: 770 | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-31): Waived with compensating factors per lender approved exception. CPA attested to reviewing P&L and financials, and to no affiliation with borrower or business used in qualifying.<br>Reviewer Comment (2026-03-26): As this relates to ATR, an investor approved exception, detailing what was relied on pre-consummation in getting comfortable approving the loan with a borrower prepared P&L will be required for review.<br>Buyer Comment (2026-03-24): See exception form for borrower prepared P&L uploaded on 3/24. |  |  | 03/31/2026 | 2 C B | XX | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 831 | XX | XX | XX |  | 36636796 | 32026020158-41837 | 03/25/2026 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary; <br> State: CA | Information updated as per Title Commitment. |  |  |  | Reviewer Comment (2026-03-30): Title policy amount updated from supplemental report. Exception cleared.<br>Buyer Comment (2026-03-26): See attached supplemental report. | 03/30/2026 |  |  | 1 B A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 831 | XX | XX | XX |  | 36636801 | 32026020158-29639 | 03/25/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing the VVOE with the CPA prior to closing. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: $8,770.33<br>Loan to Value: 32.78689%<br> Guideline Maximum Loan to Value: 70.00000% | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-04-22): VVOE received in trailing docs.<br>Reviewer Comment (2026-04-22): Reopened due to lender provided VVOE.<br>Reviewer Comment (2026-04-06): Waived with compensating factors per investor approved exception.<br>Reviewer Comment (2026-04-06): Regraded to EV2-B based on lender exception outlining alternate documentation used to verify employment pre-closing.<br>Buyer Comment (2026-04-01): Please see the attached approved exception for missing VVOE.<br>Reviewer Comment (2026-03-30): Required A Verbal verification with the CPA is required prior to closing within 20 business days of the note date. Provided is more than 20 days. Exception remains.<br>Buyer Comment (2026-03-26): See attached | 04/22/2026 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 831 | XX | XX | XX |  | 36636802 | 32026020158-25029 | 03/25/2026 | 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 the VVOE with the CPA prior to closing. |  |  |  | Reviewer Comment (2026-04-06): Loan is NonQM<br>Reviewer Comment (2026-04-01): Sent back at client request.<br>Buyer Comment (2026-04-01): See document uploaded on 4/1/26. | 04/06/2026 |  |  | 1 B A C | XX | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| 831 | XX | XX | XX |  | 36636803 | 32026020158-5695 | 03/25/2026 | 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 the VVOE with the CPA prior to closing. |  |  |  | Reviewer Comment (2026-04-22): VVOE received in trailing docs.<br>Reviewer Comment (2026-04-22): Reopened due to lender provided VVOE.<br>Reviewer Comment (2026-04-06): Loan is NonQM<br>Reviewer Comment (2026-04-01): Sent back at client request.<br>Buyer Comment (2026-04-01): See document uploaded on 4/1/26 | 04/22/2026 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 831 | XX | XX | XX |  | 36636804 | 32026020158-33058 | 03/25/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing the VVOE with the CPA prior to closing. |  |  |  | Reviewer Comment (2026-04-22): VVOE received in trailing docs.<br>Reviewer Comment (2026-04-22): Reopened due to lender provided VVOE.<br>Reviewer Comment (2026-04-06): Waived with compensating factors per investor approved exception.<br>Reviewer Comment (2026-04-06): Regraded to EV2-B based on lender exception outlining alternate documentation used to verify employment pre-closing.<br>Reviewer Comment (2026-04-01): Sent back at client request.<br>Buyer Comment (2026-04-01): See document uploaded on 4/1/26 | 04/22/2026 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 831 | XX | XX | XX |  | 36636805 | 32026020158-5404 | 03/25/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX VVOE | Missing the VVOE with the CPA prior to closing. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: $8,770.33<br>Loan to Value: 32.78689%<br> Guideline Maximum Loan to Value: 70.00000% | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-04-22): VVOE received in trailing docs.<br>Reviewer Comment (2026-04-22): Reopened due to lender provided VVOE.<br>Reviewer Comment (2026-04-06): Waived with compensating factors per investor approved exception.<br>Reviewer Comment (2026-04-06): Regraded to EV2-B based on lender exception outlining alternate documentation used to verify employment pre-closing.<br>Reviewer Comment (2026-04-01): Sent back at client request.<br>Buyer Comment (2026-04-01): See document uploaded on 4/1/26 | 04/22/2026 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 764 | XX | XX | XX |  | 36636808 | 12603006078-37730 | 04/27/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-29): CDFI lender testing ATR.<br>Buyer Comment (2026-04-27): Please waive. |  |  | 04/29/2026 | 2 A | XX | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| 764 | XX | XX | XX |  | 36636810 | 12603006078-4264 | 04/27/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.08 is less than Guideline PITIA months reserves of 6.00. | File is missing verification of 6 months reserves. Guidelines do not allow for cash out to be used for reserves. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $28,807.06<br>DTI: 33.53865% <br> Guideline Maximum DTI: 50.00000% | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-05-15): Waived with compensating factors per lender approved exception received in trailing documents.<br>Buyer Comment (2026-05-13): exception<br>Reviewer Comment (2026-05-11): Received same exception as previously submitted. The comp factors provided all relate to income documentation and do not address was was relied on pre-consummation in approving the subject loan with the required reserves (as they cannot come from cash out per guidelines).<br>Buyer Comment (2026-05-07): exception<br>Reviewer Comment (2026-05-07): EXCEPTION HISTORY - Exception Explanation was updated on 05/07/2026 PRIOR Exception Explanation: Calculated PITIA months reserves of 0.91 is less than Guideline PITIA months reserves of 6.00.<br>Reviewer Comment (2026-05-04): Received lender approved exception; however, it does not detail what lender relied on in approving the loan without the required reserves. The items listed on Page 3 all relate to borrower's income and exception is in relation to missing required 6 months' reserves.<br>Buyer Comment (2026-05-01): exception |  |  | 05/15/2026 | 2 C B | XX | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| 764 | XX | XX | XX |  | 36636811 | 12603006078-25029 | 04/27/2026 | 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 file is missing verified 6 months reserves. |  |  |  | Reviewer Comment (2026-05-15): Non-QM Equivalency with documented lender exception.<br>Buyer Comment (2026-05-13): Please see attached<br>Reviewer Comment (2026-05-11): Received same exception as previously submitted. The comp factors provided all relate to income documentation and do not address was was relied on pre-consummation in approving the subject loan with the required reserves (as they cannot come from cash out per guidelines).<br>Buyer Comment (2026-05-08): Please find attached<br>Reviewer Comment (2026-05-04): Received lender approved exception; however, it does not detail what lender relied on in approving the loan without the required reserves. The items listed on Page 3 all relate to borrower's income and exception is in relation to missing required 6 months' reserves.<br>Buyer Comment (2026-04-30): Please find attached | 05/15/2026 |  |  | 1 B A C | XX | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Exempt from ATR | No |
| 764 | XX | XX | XX |  | 36636812 | 12603006078-5695 | 04/27/2026 | 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 file is missing verified 6 months reserves. |  |  |  | Reviewer Comment (2026-05-15): Documented lender exception.<br>Reviewer Comment (2026-05-15): EV2-B with lender exception documenting sufficient comp factors considered pre-consummation.<br>Buyer Comment (2026-05-13): see attached exception<br>Reviewer Comment (2026-05-11): Received same exception as previously submitted. The comp factors provided all relate to income documentation and do not address was was relied on pre-consummation in approving the subject loan with the required reserves (as they cannot come from cash out per guidelines).<br>Buyer Comment (2026-05-08): Please find attached<br>Reviewer Comment (2026-05-04): Received lender approved exception; however, it does not detail what lender relied on in approving the loan without the required reserves. The items listed on Page 3 all relate to borrower's income and exception is in relation to missing required 6 months' reserves.<br>Buyer Comment (2026-04-30): Please find attached | 05/15/2026 |  |  | 1 C A | XX | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| 726 | XX | XX | XX |  | 36636814 | 12603004809-37730 | 04/27/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-30): CDFI lender testing ATR<br>Buyer Comment (2026-04-28): Please waive. |  |  | 04/30/2026 | 2 A | XX | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| 726 | XX | XX | XX |  | 36636817 | 12603004809-30673 | 04/27/2026 | 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 |  | Provided desk review effective date of 3/XX/2026 which does not match with the appraisal effective date. |  |  |  | Reviewer Comment (2026-05-11): CDA with same effective date as appraisal received in trailing docs.<br>Buyer Comment (2026-05-07): CDA | 05/11/2026 |  |  | 1 C A | XX | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| 726 | XX | XX | XX |  | 36636818 | 12603004809-23089 | 04/27/2026 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report Date: 04/XX/2026 | Appraisal disclosed that property was currently listed for sale. Please provide verification of when listing was cancelled. If listed at the time of application, please provide a letter of explanation disclosing the reason the property was listed, and evidence that it was taken off the market prior to the Note date. |  |  |  | Reviewer Comment (2026-05-01): The subject property was listed on 06/xx/2025, which is consistent with the appraisal report and independently verified on XX. The borrower purchased the property from the same listing on 07/xx/2025. No additional listings were found on XX after the borrower's purchase date. Exception cleared.<br>Buyer Comment (2026-04-29): XX | 05/01/2026 |  |  | 1 C A | XX | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| 699 | XX | XX | XX |  | 36636822 | 12602002584-35682 | 04/27/2026 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | Borrower:XX// Employment Type: Employment / Income Type: Bank Statements / Start Date: 08/XX/2014 // Document: Other / Document Date: / Tax Year: | HOA document is not dated. |  |  |  | Reviewer Comment (2026-05-07): Dated LOE for no HOA on other real estate owned received in trailing documents.<br>Reviewer Comment (2026-05-05): Letter of explanation-Income document is not dated. Exception remains.<br>Buyer Comment (2026-05-01): HOA | 05/07/2026 |  |  | 1 C A | XX | TX | Investment | Refinance - Cash-out - Other | C A B | N/A | Exempt from ATR | No |
| 699 | XX | XX | XX |  | 36636823 | 12602002584-25838 | 04/27/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX Insurance Verification, Statement, Tax Verification<br> Insurance Verification, Statement, Tax Verification<br> Insurance Verification, Statement, Tax Verification<br> Insurance Verification, Statement, Tax Verification<br> Insurance Verification, Statement, Tax Verification<br> Insurance Verification, Statement, Tax Verification | Mortgage Statement, Tax Verification and Insurance document missing for properties. |  |  |  | Reviewer Comment (2026-05-05): First Payment Letter verifies the Tax and insurance are escrowed. Exception cleared.<br>Buyer Comment (2026-05-01): XXX FPL<br>Buyer Comment (2026-05-01): XXX FPL<br>Buyer Comment (2026-05-01): XXX FPL<br>Buyer Comment (2026-05-01): XXX FPL<br>Buyer Comment (2026-05-01): XXX FPL<br>Buyer Comment (2026-05-01): XXX FPL | 05/05/2026 |  |  | 1 C A | XX | TX | Investment | Refinance - Cash-out - Other | C A B | N/A | Exempt from ATR | No |
| 699 | XX | XX | XX |  | 36636825 | 12602002584-2802 | 04/27/2026 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial Credit Application not provided. |  |  |  | Reviewer Comment (2026-05-01): Received Lender's initial/credit application 1003, information validated. Exception Cleared.<br>Buyer Comment (2026-04-29): pls see | 05/01/2026 |  |  | 1 B A | XX | TX | Investment | Refinance - Cash-out - Other | C A B | N/A | Exempt from ATR | No |
| 699 | XX | XX | XX |  | 36636826 | 12602002584-29639 | 04/27/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Mortgage Statement, Tax Verification and Insurance document missing for properties. |  |  |  | Reviewer Comment (2026-05-07): All REO documents received in trailing documents.<br>Reviewer Comment (2026-05-05): Letter of explanation-Income document is not dated. Exception remains.<br>Buyer Comment (2026-05-01): see attached docs | 05/07/2026 |  |  | 1 C A | XX | TX | Investment | Refinance - Cash-out - Other | C A B | N/A | Exempt from ATR | No |
| 704 | XX | XX | XX |  | 36636829 | 12602002956-37730 | 04/28/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-30): CDFI lender testing ATR<br>Buyer Comment (2026-04-30): CDFI lender testing ATR. |  |  | 04/30/2026 | 2 A | XX | CA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Exempt from ATR | No |
| 704 | XX | XX | XX |  | 36636832 | 12602002956-34957 | 04/28/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-3,300.00. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits was disclosed on initial Loan estimate as $0 but disclosed but final Closing Disclosure $-3300. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2026-05-13): Lender provided explanation that original lock expired 30 days after being locked on 2/9 and was re-locked on 3/26, which is supported by rate lock documentation and pricing in file.<br>Reviewer Comment (2026-05-01): Situsamc File Contains COC dated 03/26, however, it does provide sufficient information why loan is re-locked. In order to determine if the changed circumstance is valid more information is necessary on reason lender credit removed 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 (2026-04-30): Lender credit is reflected as $0 on the final CD dated 4/13/2026, page 2 | 05/13/2026 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Non QM | Exempt from ATR | No |
| 704 | XX | XX | XX |  | 36636833 | 12602002956-767 | 04/28/2026 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 47823.52 | Judgement is required to be paid off. |  |  |  | Reviewer Comment (2026-05-06): Satisfaction of judgment received.<br>Buyer Comment (2026-05-04): satisfaction<br>Buyer Comment (2026-05-04): paid as agreed | 05/06/2026 |  |  | 1 B A | XX | CA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Exempt from ATR | No |
| 682 | XX | XX | XX |  | 36636834 | 12601001349-3831 | 04/29/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender exception provided at origination for borrower pays rent in cash for the primary residence. Have VOR from the private party and cash receipts. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | DTI: 30.53015% <br> Guideline Maximum DTI: 50.00000%<br>Reserves: 15.89<br> Guideline Requirement: 3.00<br>Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: $16,292.07 | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-29): Waived with compensating factors per lender exception approval at origination. |  |  | 04/29/2026 | 2 B | XX | NY | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| 718 | XX | XX | XX |  | 36636835 | 12602004377-33616 | 04/29/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement: E-sign Consent Agreement is missing |  |  |  | Reviewer Comment (2026-05-04): E-Sign Consent Agreement received. Exception cleared.<br>Buyer Comment (2026-04-30): please see attached. | 05/04/2026 |  |  | 1 C A | XX | CT | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 718 | XX | XX | XX |  | 36636838 | 12602004377-37730 | 04/29/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-29): CDFI lender testing ATR. |  |  | 04/29/2026 | 2 A | XX | CT | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 718 | XX | XX | XX |  | 36636839 | 12602004377-30831 | 04/29/2026 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The Hazard Insurance policy did not list Lender or Servicer as mortgagee. Please provide an updated policy disclosing xx (with an S) Funding. |  |  |  | Reviewer Comment (2026-05-14): Updated HOI received reflecting correct mortgagee clause.<br>Buyer Comment (2026-05-12): HOI | 05/14/2026 |  |  | 1 C A | XX | CT | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 718 | XX | XX | XX |  | 36636840 | 12602004377-5404 | 04/29/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX CPA Letter | CPA letter does not confirm that there is no affiliation between the CPA, borrower and borrowers business. |  |  |  | Reviewer Comment (2026-05-06): Received CPA letter and CPA confirms that there is no affiliation between the CPA & borrower 100 % percent owner of his self-employment business and operating since January 2019.Exception Cleared.<br>Buyer Comment (2026-05-04): cpa letter | 05/06/2026 |  |  | 1 C A | XX | CT | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 718 | XX | XX | XX |  | 36636841 | 12602004377-29639 | 04/29/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to the CPA letter does not confirm that there is no affiliation/relationship between the CPA, borrower and borrowers business. |  |  |  | Reviewer Comment (2026-05-06): Received CPA letter and CPA confirms that there is no affiliation between the CPA & borrower 100 % percent owner of his self-employment business and operating since January 2019.Exception Cleared.<br>Buyer Comment (2026-05-04): see attached cpa letter | 05/06/2026 |  |  | 1 C A | XX | CT | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 718 | XX | XX | XX |  | 36636842 | 12602004377-25029 | 04/29/2026 | 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 the CPA letter does not confirm that there is no affiliation/relationship between the CPA, borrower and borrowers business. |  |  |  | Reviewer Comment (2026-05-06): Received CPA letter and CPA confirms that there is no affiliation between the CPA & borrower 100 % percent owner of his self-employment business and operating since January 2019.Exception Cleared. | 05/06/2026 |  |  | 1 B A C | XX | CT | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Exempt from ATR | No |
| 718 | XX | XX | XX |  | 36636843 | 12602004377-33058 | 04/29/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to the CPA letter does not confirm that there is no affiliation/relationship between the CPA, borrower and borrowers business. |  |  |  | Reviewer Comment (2026-05-06): Received CPA letter and CPA confirms that there is no affiliation between the CPA & borrower 100 % percent owner of his self-employment business and operating since January 2019.Exception Cleared. | 05/06/2026 |  |  | 1 C A | XX | CT | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 718 | XX | XX | XX |  | 36636844 | 12602004377-5695 | 04/29/2026 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to the CPA letter does not confirm that there is no affiliation/relationship between the CPA, borrower and borrowers business. |  |  |  | Reviewer Comment (2026-05-06): Received CPA letter and CPA confirms that there is no affiliation between the CPA & borrower 100 % percent owner of his self-employment business and operating since January 2019.Exception Cleared. | 05/06/2026 |  |  | 1 C A | XX | CT | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 801 | XX | XX | XX |  | 36636846 | 12603007391-40769 | 04/29/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on 04/XX/2026 contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Received interim CD 04/XX/2026 is incomplete. |  |  |  | Reviewer Comment (2026-05-12): SitusAMC received LOA to remove incomplete CD from testing.<br>Buyer Comment (2026-05-12): Please find attached the updated LOE<br>Reviewer Comment (2026-05-11): Thank you for the LOA however the wording is insufficient. The LOA must specifically say, if such is the case, that the CD in question dated 4/20, document 301 was not provided to the borrower in order to remove the CD from testing.<br>Buyer Comment (2026-05-08): Please find attached the LOA.<br>Reviewer Comment (2026-05-07): The audit trail is insufficient, please provide LOA stating the 4/20 CD was not provided to the borrower to remove the 4/20 CD from testing.<br>Buyer Comment (2026-05-06): Please refer to the CD tracking audit. Only the CD dated 04/08/2026 has been sent; the CD dated 04/20/2026 has not been sent.<br>Reviewer Comment (2026-05-01): Per TRID Grid 4.0, Additional Considerations Row 3, The TPR firm can exclude an LE or CD from consideration if it was not provided to the consumer. Acceptable documentation is a lender attestation that it was not provided to the consumer. (This is only applicable if the document is not acknowledged by the consumer and no other evidence CD was provided or received by the consumer.) Attestation should be in a separate document that can be included in the loan file.<br>Buyer Comment (2026-04-30): This CD, dated 4/20/2026, is not issued by the lender; it is issued by the title company. Please ignore the CD dated 4/20/2026. | 05/12/2026 |  |  | 1 C A | XX | TX | Primary | Purchase | No Defined Cure A | Non QM | Exempt from ATR | No |
| 801 | XX | XX | XX |  | 36636847 | 12603007391-37730 | 04/29/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-30): CDFI lender testing ATR<br>Buyer Comment (2026-04-30): CDFI lender testing ATR. |  |  | 04/30/2026 | 2 A | XX | TX | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 792 | XX | XX | XX |  | 36636850 | 12603007187-37730 | 04/29/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-30): CDFI lender testing ATR<br>Buyer Comment (2026-04-30): CDFI lender testing ATR. |  |  | 04/30/2026 | 2 A | XX | FL | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 778 | XX | XX | XX |  | 36636854 | 12603006580-2839 | 04/30/2026 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Missing updated gift letter in the amount of $42,766.69. |  |  |  | Reviewer Comment (2026-05-18): Gift letter received in trailing documents.<br>Buyer Comment (2026-05-14): Please see gift letter attached. Thank you. | 05/18/2026 |  |  | 1 C A | XX | TX | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 778 | XX | XX | XX |  | 36636855 | 12603006580-37730 | 04/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Gift letter was not found in file, causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2026-04-30): CDFI lender testing ATR |  |  | 04/30/2026 | 2 A | XX | TX | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 778 | XX | XX | XX |  | 36636856 | 12603006580-25029 | 04/30/2026 | 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. | Gift letter was not found in file, causing the loan to waterfall through the QM Testing, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2026-05-18): Gift letter received in trailing documents. | 05/18/2026 |  |  | 1 B A C | XX | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Exempt from ATR | No |
| 778 | XX | XX | XX |  | 36636857 | 12603006580-5695 | 04/30/2026 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Gift letter was not found in file, causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2026-05-18): Gift letter received in trailing documents. | 05/18/2026 |  |  | 1 C A | XX | TX | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 721 | XX | XX | XX |  | 36636859 | 12602004576-37730 | 04/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-30): CDFI lender testing ATR |  |  | 04/30/2026 | 2 A | XX | IN | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 798 | XX | XX | XX |  | 36636863 | 12603007355-37730 | 05/04/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  | Reviewer Comment (2026-05-04): CDFI lender testing ATR. |  |  | 05/04/2026 | 2 A | XX | FL | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 800 | XX | XX | XX |  | 36636866 | 12603007388-37730 | 05/07/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-07): CDFI lender testing ATR |  |  | 05/07/2026 | 2 A | XX | NJ | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 800 | XX | XX | XX |  | 36636867 | 12603007388-41860 | 05/07/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2026 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $668,799.54 is under disclosed by $213.00 compared to the calculated Finance Charge of $669,012.54 which exceeds the $100.00 threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated 04/XX/2026). (Final/XX/28/2026) | Final Closing Disclosure provided on 04/XX/2026 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $668,799.54 is under-disclosed by $213.00 compared to the calculated Finance Charge of $669,012.54, which exceeds the $100.00 threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated 04/XX/2026. |  |  |  | Reviewer Comment (2026-05-19): SitusAMC received Corrected CD & LOE to borrower allocating lender credit to finance charge<br>Buyer Comment (2026-05-19): Please find attached the PCCD. The Lender credit has been itemized towards settlement costs. | 05/19/2026 |  |  | 1 C A | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Exempt from ATR | No |
| 713 | XX | XX | XX |  | 36636872 | 12602003829-37730 | 05/11/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  | Reviewer Comment (2026-05-14): CDFI lender testing ATR<br>Buyer Comment (2026-05-12): Lender testing ATR |  |  | 05/14/2026 | 2 A | XX | FL | Primary | Purchase | B A | Non QM | Exempt from ATR | No |
| 713 | XX | XX | XX |  | 36636875 | 12602003829-3831 | 05/11/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 1. Less than 10% reserves allowed under the following conditions:<br> 3.3% - 4.99% if condo has cash assets that equal 75% of HOA assessments as listed on current year budget<br> 2. Mortgage may not be responsible for delinquent HOA dues that exceed Fannie Mae requirements. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 9.35<br> Guideline Requirement: 3.00<br>Borrower's Own Funds Percent: 17.91%<br> Borrower's Own Funds Amount: $38,516.90<br>Loan to Value: 73.11628%<br> Guideline Maximum Loan to Value: 90.00000% | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2026-05-08): Waived with compensating factors per lender exception approval at origination. |  |  | 05/08/2026 | 2 B | XX | FL | Primary | Purchase | B A | Non QM | Exempt from ATR | No |
| 797 | XX | XX | XX |  | 36636877 | 12603007346-37730 | 05/11/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-11): CDFI lender testing ATR. |  |  | 05/11/2026 | 2 A | XX | GA | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| Dropped loan | XX | XX | XX |  | 36636882 | 12602002998-37730 | 05/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-15): CDFI lender testing ATR<br>Buyer Comment (2026-05-13): Please waive. |  |  | 05/15/2026 | 2 A | XX | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| Dropped loan | XX | XX | XX |  | 36636884 | 12602002998-1871 | 05/12/2026 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Reviewer Comment (2026-05-21): Waived per lender direction.<br>Buyer Comment (2026-05-19): Please waive. |  |  | 05/21/2026 | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| Dropped loan | XX | XX | XX |  | 36636885 | 12602002998-22638 | 05/12/2026 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of 7.65823% or Final Disclosure APR of 7.66900% is equal to or greater than the threshold of APOR 6.12% + 1.5%, or 7.62000%. Non-Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2026-05-21): Waived per lender direction.<br>Buyer Comment (2026-05-19): Please waive. |  |  | 05/21/2026 | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| 679 | XX | XX | XX |  | 36636887 | 12026011023-25749 | 03/06/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Provide a Final HUD/Closing Statement signed by all parties or stamped true and certified by title agent. |  |  |  | Reviewer Comment (2026-03-13): Received Closing statement. Exception Cleared.<br>Buyer Comment (2026-03-11): Final executed HUD-1 attached. Thank you. | 03/13/2026 |  |  | 1 C A | XX | WI | Investment | Purchase | D A |  | N/A | No |
| 679 | XX | XX | XX |  | 36636888 | 12026011023-2827 | 03/06/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Please provide warranty deed transferring ownership to current owner. |  |  |  | Reviewer Comment (2026-03-19): Received warranty deed transferring ownership to current owner. Exception cleared<br>Buyer Comment (2026-03-17): Please see attached warranty deed. Thank you. | 03/19/2026 |  |  | 1 D A | XX | WI | Investment | Purchase | D A |  | N/A | No |
| 679 | XX | XX | XX |  | 36636889 | 12026011023-2919 | 03/06/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | For the primary residence, provide either a 12 month pay history or a property report verifying it is owned free and clear with taxes paid current. |  |  |  | Reviewer Comment (2026-05-08): LOE from non-borrowing spouse and copy of Note, reflecting our borrower is not obligated, received in trailing docs.<br>Reviewer Comment (2026-05-07): Provide a copy of mortgage statement to evidence the borrower is not on the mortgage. Guidelines do not indicate the Note is acceptable evidence of living rent free with spouse. Exception Remains.<br>Buyer Comment (2026-05-05): See note attached confirms Borrower not on mtg. Document already sent to you. Thanks.<br>Reviewer Comment (2026-04-28): Borrower lives rent free with the spouse. The original letter states there is a mortgage associated with the property and that the borrower is not on the mortgage. Provide a copy of the mortgage statement to evidence the borrower is not on the mortgage as required per guidelines.<br>Buyer Comment (2026-04-24): Please see documents attached as an exception for no LLPA is not required per guidelines attached. Thanks so much. Final 1008 included.<br>Reviewer Comment (2026-04-17): Provide LLPA and UW discretion.<br>Buyer Comment (2026-04-15): Please see rent free loe with Esignature confirmation.<br>Reviewer Comment (2026-04-13): If borrower is living with spouse, provide a mortgage statement for subject property. Guidelines do not indicate the Note is acceptable evidence of living rent free with spouse.<br>Buyer Comment (2026-04-09): Please see Note attached only in wife's name along with guideline. Thank you.<br>Reviewer Comment (2026-03-31): Per LOE, borrower is living rent free with spouse. Provide Rate Lock as Loan to be locked with a LLPA for living rent free. Exception remains.<br>Buyer Comment (2026-03-27): Please see attached. Thank you.<br>Buyer Comment (2026-03-27): See note attached<br>Reviewer Comment (2026-03-19): Property profile is acceptable if owned free and clear. Per guides, Borrowers living rent free with a spouse are acceptable with rent-free letter from spouse and evidence of spouse's mortgage or current lease. Exception remains<br>Buyer Comment (2026-03-17): Situs, PLEASE note a letter from the homeowner/spouse is not what the condition stated: <br> "For the primary residence, provide either a 12 month pay history or a property report verifying it is owned free and clear with taxes paid current".<br> that was what was provided. Please clear or explain. Thank you.<br>Reviewer Comment (2026-03-13): Rent free letter must come from homeowner/spouse.<br>Buyer Comment (2026-03-11): Please see property profile attached. Thank you.<br>Buyer Comment (2026-03-11): Please see documents for mtg history attached.<br>Buyer Comment (2026-03-11): Please see vom attached. Thank you. | 05/08/2026 |  |  | 1 C A D | XX | WI | Investment | Purchase | D A |  | N/A | No |
| 725 | XX | XX | XX |  | 36636891 | 12603004796-2919 | 04/03/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | For the primary residence, provide either a 12 month pay history or a property report verifying it is owned free and clear with taxes paid current. |  |  |  | Reviewer Comment (2026-05-11): Property history report and recorded deed from 6/2017 received in trailing documents.<br>Reviewer Comment (2026-05-07): As per the provided property history report and deed, the property is free and clear; however, proof of payment for the most recent property tax year is still pending. Exception remains.<br>Buyer Comment (2026-05-05): Please note Borrower has been residing there since 6/2017. Please see attached. Thank you.<br>Reviewer Comment (2026-04-14): As per provided property profile unable to verify when the property was purchased by borrower as deed taken on 6xx/2017 is missing buyer and seller details. Along with this provide evidence of current taxes paid for primary residence. Exception remains.<br>Buyer Comment (2026-04-10): See property profile as primary free & clear. Thank you. | 05/11/2026 |  |  | 1 C A D | XX | IL | Investment | Purchase | D A |  | N/A | No |
| 700 | XX | XX | XX |  | 36636893 | 12602002611-23931 | 04/24/2026 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  |  | Reviewer Comment (2026-05-18): Final title policy received. | 05/18/2026 |  |  | 1 A | XX | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 700 | XX | XX | XX |  | 36636894 | 12602002611-28330 | 04/24/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of $XX is less than Guideline minimum loan amount of $XX | Lender exception approving the Note loan amount of $XX being less than Guideline minimum loan amount of $XX | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reserves: 33.01<br> Guideline Requirement: 0.00<br>Debt Service Coverage Ratio: 1.65<br> Guideline Requirement: 1.00 | SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-24): Waived with compensating factors per lender exception approval at origination. |  |  | 04/24/2026 | 2 B | XX | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 700 | XX | XX | XX |  | 36636895 | 12602002611-3831 | 04/24/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title commitment/loan payoff in the file indicates a blanket mortgage covers the subject property. Provide evidence loan was paid in full or that the subject property was fully released from the lien. |  |  |  | Reviewer Comment (2026-05-18): Final title policy received reflecting no additional liens.<br>Buyer Comment (2026-05-14): final<br>Buyer Comment (2026-05-14): loan policy jacket | 05/18/2026 |  |  | 1 C A | XX | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 773 | XX | XX | XX |  | 36636902 | 12603006415-25700 | 05/07/2026 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Lender approved exception at origination to allow a first time investor without the required 12 months housing history verification. 8 months housing history has been verified; however, 12 months required for first-time investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 4.51<br> Guideline Requirement: 0.00<br>Guidelines Representative FICO: 640<br> Representative FICO: 718 | Originator Pre-Close,SitusAMC<br>SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2026-05-07): Waived with compensating factors per lender approved exception at origination. |  |  | 05/07/2026 | 2 B | XX | FL | Investment | Purchase | B A |  | N/A | No |
| 794 | XX | XX | XX |  | 36636904 | 12603007213-7919 | 05/08/2026 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  | Blanket policy expires in less than 30 days from the Note date. |  |  |  | Reviewer Comment (2026-05-14): Renewal blanket policy received in trailing documents.<br>Buyer Comment (2026-05-12): Blanket ins | 05/14/2026 |  |  | 1 C A | XX | NY | Investment | Purchase | C A |  | N/A | No |
| 698 | XX | XX | XX |  | 36636906 | 12602002506-4747 | 05/11/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | HUD/CS provided is an estimate. |  |  |  | Reviewer Comment (2026-05-18): Final settlement statement received<br>Buyer Comment (2026-05-14): Please find attached | 05/18/2026 |  |  | 1 D A | XX | AZ | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 673 | XX | XX | XX |  | 36715928 | 12025093097-23931 | 02/24/2026 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment | File is missing a copy of the Final Title Policy. |  |  |  | Reviewer Comment (2026-02-27): Received final title policy. Exception cleared. | 02/27/2026 |  |  | 1 A | XX | IN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 673 | XX | XX | XX |  | 36715929 | 12025093097-33586 | 02/24/2026 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | The title policy disclosed liens/judgments that were not addressed. Verify the judgment for $104.93 was paid. |  |  |  | Reviewer Comment (2026-02-27): Provided final title showing no judgment. Exception cleared.<br>Buyer Comment (2026-02-25): Final title | 02/27/2026 |  |  | 1 C A | XX | IN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 824 | XX | XX | XX |  | 36715931 | 32026011549-5382 | 03/04/2026 | 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 (2026-03-09): Received Closing Protection Letter. Exception Cleared.<br>Buyer Comment (2026-03-05): See attached | 03/09/2026 |  |  | 1 C A | XX | GA | Investment | Purchase | D A |  | N/A | No |
| 824 | XX | XX | XX |  | 36715932 | 32026011549-2919 | 03/04/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a property history report for the primary residence verifying it is owned free and clear with taxes paid current. |  |  |  | Reviewer Comment (2026-03-16): Property History Report for primary residence received confirming property is free and clear. Exception Cleared.<br>Buyer Comment (2026-03-12): Property detail report attached<br>Reviewer Comment (2026-03-11): Provided tax certificate for the primary residence and underwriting memo for the subject property. Require property history report for primary residence verifying it is owned free and clear. Exception remains.<br>Buyer Comment (2026-03-09): Please see attached<br>Reviewer Comment (2026-03-09): Received ownership and foreclosure report is part of the initial application. Required property history report for primary residence verifying it is owned free and clear with taxes paid current. The tax certificate (D0170) provided with initial package is half scanned and unable to determine that current year taxes are paid. Exception Remains.<br>Buyer Comment (2026-03-05): see attached | 03/16/2026 |  |  | 1 C A D | XX | GA | Investment | Purchase | D A |  | N/A | No |
| 825 | XX | XX | XX |  | 36715934 | 32026012004-23688 | 03/09/2026 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provided Hazard Insurance coverage is not covering the Loan amount. additional Coverage is Required in file. |  |  |  | Reviewer Comment (2026-03-31): Received hazard insurance with coverage amount of $xx. Exception cleared.<br>Buyer Comment (2026-03-27): Updated dec page with increased coverage. | 03/31/2026 |  |  | 1 C A | XX | MS | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 672 | XX | XX | XX |  | 36715938 | 12025092757-4513 | 03/11/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2026-03-17): Received Articles of Organization for borrowing entity. Exception Cleared.<br>Buyer Comment (2026-03-13): AOO | 03/17/2026 |  |  | 1 C A | XX | IN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 833 | XX | XX | XX |  | 36715942 | 32026030049-3831 | 03/20/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of ownership of XX account used to pay the rent for the primary residence. |  |  |  | Reviewer Comment (2026-03-27): Bank statement verifying ownership of account..<br>Buyer Comment (2026-03-27): XXX account statement reflecting borrower attached. | 03/27/2026 |  |  | 1 C A | XX | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 833 | XX | XX | XX |  | 36715943 | 32026030049-27855 | 03/20/2026 | 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: 22 | Note Date: 03/XX/2026; Lien Position: 1 |  |  |  |  | Reviewer Comment (2026-03-23): Client elects to waive.<br>Buyer Comment (2026-03-23): We will accept a Grade 2 on this finding. Please waive. |  |  | 03/23/2026 | 2 A B | XX | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 683 | XX | XX | XX |  | 36715946 | 12601001412-31591 | 03/30/2026 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 02/XX/2026 | Provide evidence of condo approval. |  |  |  | Reviewer Comment (2026-04-14): Received project approval stating in additional comment on page #3 that Appraisal is approved warrantable condo. Exception Cleared.<br>Buyer Comment (2026-04-10): My apologies Situs still learning our new LOS system xx. Just figured out how to print the underwriters "condo review form". Please see on pg #3 under additional info comments by condo review underwriter. Thank you.<br>Reviewer Comment (2026-04-02): I see it is approved but is it approved as Warrantable, Non Warrantable or Condotel?<br>Buyer Comment (2026-04-01): Please see screen shot from condo underwriter condo approved. Thank you. | 04/14/2026 |  |  | 1 C A | XX | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 681 | XX | XX | XX |  | 36715948 | 12026011177-4747 | 03/31/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | HUD provided is not signed by all parties. |  |  |  | Reviewer Comment (2026-04-03): Received closing statement signed by all parties. Exception cleared.<br>Buyer Comment (2026-04-01): Please see attached. Thank you.<br>Buyer Comment (2026-04-01): Please see executed HUD attached. Thank you. | 04/03/2026 |  |  | 1 D A | XX | PA | Investment | Purchase | D A |  | N/A | No |
| 681 | XX | XX | XX |  | 36715949 | 12026011177-23385 | 03/31/2026 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report Date: 03/XX/2026, Valuation Type: Desk Review / Valuation Report Date: 03/XX/2026 |  |  |  |  | Reviewer Comment (2026-04-20): Desk review received with correct address. Exception Cleared.<br>Buyer Comment (2026-04-16): Please see CDA address correction. Thank you.<br>Reviewer Comment (2026-04-13): Received updated Appraisal report in the file. However, require CDA also with the same updated address. Exception remains.<br>Buyer Comment (2026-04-09): Please find attached corrected address on appraisal. Thank you.<br>Reviewer Comment (2026-03-30): Note reflects XX and both valuations reflect XX | 04/20/2026 |  |  | 1 C A | XX | PA | Investment | Purchase | D A |  | N/A | No |
| 686 | XX | XX | XX |  | 36715952 | 12601001612-4507 | 04/01/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Document provided is not dated. |  |  |  | Reviewer Comment (2026-04-16): Certificate of Good Standing received and verified the details. Exception Cleared.<br>Buyer Comment (2026-04-14): COGS | 04/16/2026 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 823 | XX | XX | XX |  | 36715954 | 32026011377-4245 | 03/31/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 82.44898% exceeds Guideline loan to value percentage of 80.00000%. | LTV discrepancy due to appraisal value of $XX is less than what lender used of $XX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 5.01<br> Guideline Requirement: 0.00 | SitusAMC | Reviewer Comment (2026-04-01): Waived with compensating factors per lender exception approval. |  |  | 04/01/2026 | 2 C B | XX | NJ | Investment | Purchase | C B A |  | N/A | No |
| 731 | XX | XX | XX |  | 36715957 | 12603004994-5347 | 04/01/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. |  |  |  | Reviewer Comment (2026-04-13): Provided Non-Owner Occupancy Declaration with primary residence address. Exception cleared.<br>Buyer Comment (2026-04-09): non-Owner | 04/13/2026 |  |  | 1 C A | XX | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 835 | XX | XX | XX |  | 36715960 | 32026030091-2904 | 04/09/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement is missing in the loan file. |  |  |  | Reviewer Comment (2026-04-24): Guaranty provided.<br>Buyer Comment (2026-04-24): Personal Guaranty | 04/24/2026 |  |  | 1 D A | XX | UT | Investment | Purchase | D A |  | N/A | No |
| 695 | XX | XX | XX |  | 36715963 | 12602002301-30783 | 04/13/2026 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Provide bank statements or cancelled checks front and back showing account ownership and timely payments debited by Mortgage Servicer for the primary residence. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 759 | Originator,SitusAMC | Reviewer Comment (2026-05-21): Waived with compensating factors per lender approved exception received in trailing documents.<br>Buyer Comment (2026-05-19): Please see exception attached. Thank you.<br>Reviewer Comment (2026-05-14): Guidelines state an electronic pay history printout is acceptable with bank statements showing account ownership and timely payments debited by Mortgage Servicer or Canceled checks front and back as well as the most recent mortgage statement. Document provided is an electronic pay history and the additional requirements were not provided.<br>Buyer Comment (2026-05-12): Please see updated attached primary mtg history with xx.<br>Reviewer Comment (2026-05-01): Received closing statement showing mortgage is paid off. Require 12 months Provide bank statements or cancelled checks front and back showing account ownership and timely payments debited by Mortgage Servicer. Exception remains<br>Buyer Comment (2026-04-29): Please see previous mtg history with xx Svc attached. Along with the HUD confirming xx payoff & new mtg lien holder with the 1st payment not due to 5/1/26. Thank you. |  |  | 05/21/2026 | 2 C B | XX | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 834 | XX | XX | XX |  | 36715969 | 32026030062-23383 | 04/14/2026 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Hazard insurance reflects subject address XX however on Note the address is XX |  |  |  | Reviewer Comment (2026-04-30): Received updated note in the file. Exception Cleared.<br>Buyer Comment (2026-04-28): Updated Note attached. | 04/30/2026 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 834 | XX | XX | XX |  | 36715971 | 32026030062-23385 | 04/14/2026 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report Date: 03/XX/2026 | Appraisal reflects subject address XX however on Note the address is XX |  |  |  | Reviewer Comment (2026-04-30): Received updated note in the file. Exception Cleared.<br>Buyer Comment (2026-04-28): Updated Note attached. | 04/30/2026 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 834 | XX | XX | XX |  | 36715972 | 32026030062-2799 | 04/14/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note is signed by individual; however, Security Instrument reflects borrower is a business entity and file contains guarantor agreement. Corrected Note required, along with letter of explanation and proof of delivery to borrower prior to signing of new note, along with destroyed note affidavit for incorrect note provided. |  |  |  | Reviewer Comment (2026-04-30): Received updated note and details verified. Exception Cleared.<br>Buyer Comment (2026-04-28): Updated Note and Deed of Trust attached. | 04/30/2026 |  |  | 1 D A | XX | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 834 | XX | XX | XX |  | 36715973 | 32026030062-30783 | 04/14/2026 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Provide verification of the March 2026 payment for the primary residence. |  |  |  | Reviewer Comment (2026-04-30): Received pay history and mortgage statement of both Feb and March 2026 for primary residence. Exception Cleared.<br>Buyer Comment (2026-04-28): Primary payment history attached. | 04/30/2026 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 834 | XX | XX | XX |  | 36715974 | 32026030062-4513 | 04/14/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2026-04-30): Received Articles of Organization/Formation in the file. Exception Cleared.<br>Buyer Comment (2026-04-28): Articles of Organization attached. | 04/30/2026 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 834 | XX | XX | XX |  | 36715975 | 32026030062-23387 | 04/30/2026 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Require Flood Certificate as per provided updated note address. |  |  |  | Reviewer Comment (2026-05-05): Received flood certificate with corrected property address. Exception cleared.<br>Buyer Comment (2026-05-01): Updated Flood Certificate reflecting East attached. | 05/05/2026 |  |  | 1 A | XX | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 834 | XX | XX | XX |  | 36715976 | 32026030062-23385 | 04/30/2026 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report Date: 03/XX/2026 | Require CDA as per provided updated note address. |  |  |  | Reviewer Comment (2026-05-05): Received secondary appraisal with correct and complete property address. Exception cleared.<br>Buyer Comment (2026-05-04): Updated CDA reflecting "East" attached. | 05/05/2026 |  |  | 1 A | XX | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 736 | XX | XX | XX |  | 36715978 | 12603005105-5347 | 04/16/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Principle address is disclosed at a PO box address. |  |  |  | Reviewer Comment (2026-05-01): Received Non-Owner Occupancy disclosure reflect the borrower(s) at an address different than the subject property. Exception Cleared.<br>Buyer Comment (2026-04-29): Please see attached | 05/01/2026 |  |  | 1 C A | XX | AR | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 772 | XX | XX | XX |  | 36715983 | 12603006390-3831 | 04/22/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for missing 4 of the 12 months rental payment history. Compensating factors: FICO, DSCR ratio, and reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 38.45<br> Guideline Requirement: 0.00<br>Borrower's Own Funds Percent: 64.35%<br> Borrower's Own Funds Amount: $144,795.06<br>Guidelines Representative FICO: 680<br> Representative FICO: 770 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2026-04-21): Waived with compensating factors per lender exception approval at origination. |  |  | 04/21/2026 | 2 B | XX | TX | Investment | Purchase | C B A |  | N/A | No |
| 772 | XX | XX | XX |  | 36715984 | 12603006390-25749 | 04/22/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. Missing closing agent signature. |  |  |  | Reviewer Comment (2026-04-29): Received final closing statement signed by all parties. Exception cleared.<br>Buyer Comment (2026-04-27): PFA | 04/29/2026 |  |  | 1 C A | XX | TX | Investment | Purchase | C B A |  | N/A | No |
| 765 | XX | XX | XX |  | 36715986 | 12603006105-30673 | 04/23/2026 | 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 |  |  |  |  |  | Reviewer Comment (2026-05-05): Received updated CDA report in the file. Exception Cleared.<br>Buyer Comment (2026-05-01): Updated CDA | 05/05/2026 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 765 | XX | XX | XX |  | 36715988 | 12603006105-4266 | 04/23/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $1,082,997.92 is greater than Guideline total cash-out of $1,000,000.00. | The lender exception requested exceed mac cashback allowed for LTV of 70%. The exception is approved and permission for borrower to get just over $1,000,000 cash back when program caps at $600,000. | Borrower has owned the subject property for at least 5 years.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Debt Service Coverage Ratio: 1.53<br> Guideline Requirement: 1.00 | SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-22): Waived with compensating factors per lender exception approval at origination. |  |  | 04/22/2026 | 2 B | XX | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 836 | XX | XX | XX |  | 36715993 | 32026030131-7905 | 04/24/2026 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: XX CPA Letter | Lender approved exception request for assignment to new buyer are not allowed. Compensating factors are Reserves is borrower has 36+ months in resaves, FICO is borrower is 62 points over the minimum score of 700, DSCR is borrower currently has a 1.44 DSCR, Experience is borrower is an experienced investor. Unsure of how many years/REO track record but can get that information if needed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 39.65<br> Guideline Requirement: 0.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 762 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2026-04-24): Waived with compensating factors per lender exception approval at origination. |  |  | 04/24/2026 | 2 B | XX | NC | Investment | Purchase | B A |  | N/A | No |
| 694 | XX | XX | XX |  | 36715998 | 12602002251-5347 | 04/27/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. |  |  |  | Reviewer Comment (2026-05-05): Provided Non-Owner Occupancy Declaration with primary residence address. Exception cleared.<br>Buyer Comment (2026-05-01): Non-Owner | 05/05/2026 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 678 | XX | XX | XX |  | 36716002 | 12025120054-25749 | 04/28/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Provide the final HUD fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. |  |  |  | Reviewer Comment (2026-05-04): Received final HUD-1 signed by all the parties. Exception Cleared.<br>Buyer Comment (2026-04-30): Please see fully executed HUD attached. Thank you. | 05/04/2026 |  |  | 1 C A | XX | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 678 | XX | XX | XX |  | 36716003 | 12025120054-30783 | 04/28/2026 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | File is missing verification February and March 2026 mortgage payment for primary resident and subject property. |  |  |  | Reviewer Comment (2026-05-21): Credit supplement received.<br>Buyer Comment (2026-05-19): Please see credit supplement attached. Thank you. | 05/21/2026 |  |  | 1 C A | XX | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 719 | XX | XX | XX |  | 36716007 | 12602004439-2876 | 04/28/2026 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The Security Instrument is missing page 21 that discloses borrower's signature. |  |  |  | Reviewer Comment (2026-05-11): Received full pages security instrument, Exception cleared.<br>Buyer Comment (2026-05-07): Sorry about that. Here is the full Security Agreement<br>Reviewer Comment (2026-05-01): Required Security Instrument with page 21 that discloses borrower's signature. Provided one is loan agreement. Exception remains.<br>Buyer Comment (2026-04-29): Please see attached Security Instrument | 05/11/2026 |  |  | 1 D A | XX | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 690 | XX | XX | XX |  | 36716009 | 12601002017-30783 | 04/28/2026 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | For the primary residence, provide either a 12 month pay history or a property report verifying it is owned free and clear with taxes paid current. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 6.49<br> Guideline Requirement: 0.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 734 | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-05-07): Waived with compensating factors per lender approved exception.<br>Buyer Comment (2026-05-05): exception |  |  | 05/07/2026 | 2 C B | XX | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 785 | XX | XX | XX |  | 36716012 | 12603006840-28636 | 04/30/2026 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of Access to Funds in account ending in XX is missing in the file |  |  |  | Reviewer Comment (2026-05-11): Received Operating agreement to confirm ownership in the business. Exception cleared.<br>Buyer Comment (2026-05-07): operating agreement | 05/11/2026 |  |  | 1 C A | XX | TN | Investment | Purchase | C A |  | N/A | No |
| 785 | XX | XX | XX |  | 36716013 | 12603006840-25749 | 04/30/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing signed final closing statement signed by all parties, provided HUD is not signed by settlement agent. |  |  |  | Reviewer Comment (2026-05-11): Final closing statement is received. Exception cleared.<br>Buyer Comment (2026-05-07): Final SS | 05/11/2026 |  |  | 1 C A | XX | TN | Investment | Purchase | C A |  | N/A | No |
| 759 | XX | XX | XX |  | 36716019 | 12603006002-3831 | 04/30/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently living rent free with someone other than a spouse. This does not meet guidelines. File is missing underwriter discretion documentation. |  |  |  | Reviewer Comment (2026-05-07): Received UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-05-05): UW discretion reflected on 1008. | 05/07/2026 |  |  | 1 C A | XX | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 685 | XX | XX | XX |  | 36716020 | 12601001568-25749 | 05/05/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final executed copy of closing statement is required in the file. |  |  |  | Reviewer Comment (2026-05-12): Received Final Closing statement. Exception Cleared.<br>Buyer Comment (2026-05-08): final SS | 05/12/2026 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 819 | XX | XX | XX |  | 36716024 | 12604008901-30783 | 05/06/2026 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Provide verification of the 03/2026 housing payment for the primary residence. |  |  |  | Reviewer Comment (2026-05-27): Client elected to move forward with a 1x30 mortgage late which is within guidleines.<br>Reviewer Comment (2026-05-18): The payment being due 5/1/2026 is not evidence the 3/2026 payment was made on time. If Lender is accepting 1x30, please confirm, as system will need to be updated to reflect this.<br>Buyer Comment (2026-05-14): See attached VOM from XX Bk which confirms next payment due 5/1/2026. Also program & product permit a 1x30 day late. Thank you. | 05/27/2026 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 814 | XX | XX | XX |  | 36716026 | 12604007889-30783 | 05/07/2026 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Borrower lived rent free with non spouse prior to buying the current residence. Provide evidence of an LLPA and UW discretion. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 16.37<br> Guideline Requirement: 0.00 | Originator,SitusAMC | Reviewer Comment (2026-05-18): Waived with compensating factors per lender approved exception received in trailing documents.<br>Buyer Comment (2026-05-15): Please see exception for LLPA. Thank you.<br>Buyer Comment (2026-05-14): Rent free comments from UW on 1008 attached. Thank you. |  |  | 05/18/2026 | 2 C B | XX | KY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 814 | XX | XX | XX |  | 36716027 | 12604007889-33586 | 05/07/2026 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Judgment on title, item 10 on Schedule B, Part 1. Please provide evidence this was paid at or before closing. |  |  |  | Reviewer Comment (2026-05-18): Updated commitment received in trailing documents reflecting no additional liens.<br>Buyer Comment (2026-05-14): Please see clear title attached. Thank you. | 05/18/2026 |  |  | 1 C A | XX | KY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 817 | XX | XX | XX |  | 36716029 | 12604008320-31591 | 05/07/2026 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 04/XX/2026 | Condo Warrantable is missing from the file. |  |  |  | Reviewer Comment (2026-05-15): Project approval provided.<br>Buyer Comment (2026-05-13): These Documents reflects this is a limited review and warrantable condo. Please Clear. | 05/15/2026 |  |  | 1 C A | XX | CA | Investment | Purchase | C A |  | N/A | No |
| 817 | XX | XX | XX |  | 36716030 | 12604008320-30831 | 05/07/2026 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Hazard Insurance policy (HO6) does not reflect the mortgage clause. |  |  |  | Reviewer Comment (2026-05-28): Policy with mortgagee clause.<br>Buyer Comment (2026-05-26): HOI<br>Reviewer Comment (2026-05-21): Screenshot provided is not part of the HO6 policy received. Please provide complete document, reflecting mortgagee clause.<br>Buyer Comment (2026-05-19): The mortgagee clause is there. See screen shot. Clear Condition.<br>Reviewer Comment (2026-05-15): The Mortgagee is not listed on the HO6 policy. It must reflect xx as the Mortgagee.<br>Buyer Comment (2026-05-13): The funds are from a 1031 exchange transaction which are held by a third party. They were deposited from the 1031 exchange company to escrow.. Please clear. | 05/28/2026 |  |  | 1 C A | XX | CA | Investment | Purchase | C A |  | N/A | No |
| 817 | XX | XX | XX |  | 36716031 | 12604008320-23086 | 05/07/2026 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $21,295.00 is less than Cash From Borrower $XXX. | Require assets for closing to cover cash from the borrower. Missing evidence of the $325,193.42 deposit transfer from buyer. |  |  |  | Reviewer Comment (2026-05-15): Funds are from 1031 exchange. Exchange agreement provided.<br>Buyer Comment (2026-05-13): The funds are from a 1031 exchange transaction which are held by a third party. They were deposited from the 1031 exchange company to escrow.. Please clear. | 05/15/2026 |  |  | 1 C A | XX | CA | Investment | Purchase | C A |  | N/A | No |
| 817 | XX | XX | XX |  | 36716032 | 12604008320-5205 | 05/07/2026 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing trust. |  |  |  | Reviewer Comment (2026-05-15): OFAC<br>Buyer Comment (2026-05-14): OFAC | 05/15/2026 |  |  | 1 C A | XX | CA | Investment | Purchase | C A |  | N/A | No |
| 816 | XX | XX | XX |  | 36716034 | 12604008271-2919 | 05/07/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Borrower is a first time investor living rent-free with someone other than spouse. This is not permitted per guideines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reserves: 19.81<br> Guideline Requirement: 0.00<br>The DSCR of 1.313 is greater than the minimum required DSCR of 1.0. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2026-05-29): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-05-27): Exception approved.<br>Reviewer Comment (2026-05-14): VOM does not cover full 12 months. Please confirm you would like this waived.<br>Buyer Comment (2026-05-12): VOM is provided for subject property borrower owns. Please waive. |  |  | 05/29/2026 | 2 C B D | XX | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 816 | XX | XX | XX |  | 36716035 | 12604008271-4507 | 05/07/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2026-05-14): COGS received in trailing documents.<br>Buyer Comment (2026-05-13): Business reflects active which reflects company in good Standing. Please clear and waive. | 05/14/2026 |  |  | 1 C A | XX | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 737 | XX | XX | XX |  | 36716038 | 12603005115-2839 | 05/08/2026 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Missing gift letter |  |  |  | Reviewer Comment (2026-05-15): Gift letter.<br>Buyer Comment (2026-05-14): gift letter | 05/15/2026 |  |  | 1 C A | XX | NY | Investment | Purchase | D A |  | N/A | No |
| 737 | XX | XX | XX |  | 36716039 | 12603005115-23086 | 05/08/2026 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $67,638.40 is less than Cash From Borrower $XX. | Available for Closing is insufficient to cover Cash From Borrower. Due to the missing gift letter. |  |  |  | Reviewer Comment (2026-05-15): Gift letter received.<br>Buyer Comment (2026-05-14): see attached gift letter | 05/15/2026 |  |  | 1 C A | XX | NY | Investment | Purchase | D A |  | N/A | No |
| 737 | XX | XX | XX |  | 36716040 | 12603005115-4747 | 05/08/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Closing statement provided is not signed by the title agent. |  |  |  | Reviewer Comment (2026-05-15): Final SS.<br>Buyer Comment (2026-05-13): Final SS | 05/15/2026 |  |  | 1 D A | XX | NY | Investment | Purchase | D A |  | N/A | No |
| 807 | XX | XX | XX |  | 36716042 | 12604007549-23688 | 05/08/2026 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XX Provide updated policy reflecting minimum coverage of $XX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-05-28): Received updated policy in the file. As per provided policy coverage dwelling amount is covering the loan amount. Exception Cleared.<br>Buyer Comment (2026-05-26): HOI | 05/28/2026 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 807 | XX | XX | XX |  | 36716044 | 12604007549-4747 | 05/08/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated Provided |  |  |  | Reviewer Comment (2026-05-14): Final closing statement received.<br>Buyer Comment (2026-05-12): final SS | 05/14/2026 |  |  | 1 D A | XX | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 696 | XX | XX | XX |  | 36716048 | 12602002359-4245 | 05/13/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Exception Request to allow LTV 75% versus 70%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Borrower's Own Funds Percent: 27.11%<br> Borrower's Own Funds Amount: $786,257.88 | Originator Pre-Close,SitusAMC | Reviewer Comment (2026-05-13): Waived with compensating factors per lender exception approval at origination. |  |  | 05/13/2026 | 2 B | XX | HI | Investment | Purchase | B A |  | N/A | No |
| 733 | XX | XX | XX |  | 36716050 | 12603005027-30783 | 05/14/2026 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | File is missing verification of April 2026 mortgage payment for subject property. |  |  |  | Reviewer Comment (2026-05-19): Evidence of April 2026 payment received<br>Buyer Comment (2026-05-15): April payment | 05/19/2026 |  |  | 1 C A | XX | OK | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 733 | XX | XX | XX |  | 36716051 | 12603005027-5347 | 05/14/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2026-05-19): Fully completed NOO certificate received<br>Buyer Comment (2026-05-15): Non-Owner | 05/19/2026 |  |  | 1 C A | XX | OK | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 687 | XX | XX | XX |  | 36716063 | 12601001695-33616 | 03/19/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2026-03-30): Received E-Sign Consent Agreement. Exception Cleared.<br>Buyer Comment (2026-03-26): Please see attached | 03/30/2026 |  |  | 1 C A | XX | FL | Second Home | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| 687 | XX | XX | XX |  | 36716064 | 12601001695-4931 | 03/19/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 02/XX/2026 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. (Initial/XX/11/2026) | Closing Disclosure estimated to be provided on 02/XX/2026 did not disclose the actual Date Issued |  |  |  | Reviewer Comment (2026-03-26): SitusAMC received comment.<br>Buyer Comment (2026-03-25): The blank CD was not delivered to the borrower, it was just for balancing purpose, kindly ignore and clear. | 03/26/2026 |  |  | 1 C A | XX | FL | Second Home | Refinance - Rate/Term | Good Faith Redisclosure C A | Non QM | Exempt from ATR | No |
| 687 | XX | XX | XX |  | 36716065 | 12601001695-37730 | 03/19/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-03-19): CDFI lender testing ATR |  |  | 03/19/2026 | 2 A | XX | FL | Second Home | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| 686 | XX | XX | XX |  | 36716074 | 12601001685-37730 | 03/17/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-03-19): CDFI lender testing ATR<br>Buyer Comment (2026-03-18): Please waive. Thank you/ |  |  | 03/19/2026 | 2 A | XX | CA | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 830 | XX | XX | XX |  | 36716075 | 32026020151-23698 | 03/18/2026 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2026-03-24): Fraud report received & associated. Exception cleared.<br>Buyer Comment (2026-03-20): Fraud report attached. | 03/24/2026 |  |  | 1 C A | XX | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 830 | XX | XX | XX |  | 36716077 | 32026020151-41837 | 03/18/2026 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary; <br> State: CA | The 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 (2026-03-24): Title supplement received & coverage amount updated. Exception cleared.<br>Buyer Comment (2026-03-23): Title supplement reflecting sufficient coverage. | 03/24/2026 |  |  | 1 B A | XX | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 830 | XX | XX | XX |  | 36716079 | 32026020151-6516 | 03/18/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing Fraud Report |  |  |  | Reviewer Comment (2026-03-24): Fraud report received & associated. Exception cleared.<br>Buyer Comment (2026-03-20): Fraud report attached. | 03/24/2026 |  |  | 1 C A | XX | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 707 | XX | XX | XX |  | 36716082 | 12602003405-17814 | 03/19/2026 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | File is missing final credit application for co-borrower. |  |  |  | Reviewer Comment (2026-04-03): Complete final credit app provided.<br>Buyer Comment (2026-04-02): PFA<br>Reviewer Comment (2026-04-01): Doc ss is initial signed credit application which has only Co- Applicants details in Section 3. Doc xx is the final credit application which has only Applicant details in Section 3. Both initial and final credit application need to have both applicant details.<br>Buyer Comment (2026-03-30): Doc ID xx page 2. Thank you.<br>Reviewer Comment (2026-03-27): Credit application information forxx is not provided in file. Exception remains<br>Buyer Comment (2026-03-25): Refer doc ID ss<br>Reviewer Comment (2026-03-24): Co-borrower xx Credit application is not provided in file. Exception remains<br>Buyer Comment (2026-03-20): Please refer doc id xx. Thank you..! | 04/03/2026 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | C A | N/A | Exempt from ATR | No |
| 707 | XX | XX | XX |  | 36716083 | 12602003405-17817 | 03/19/2026 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Initial - Lender's is incomplete |  | File is missing initial loan application for co-borrower. |  |  |  | Reviewer Comment (2026-04-03): Complete initial credit ap provided.<br>Buyer Comment (2026-04-02): PFA<br>Reviewer Comment (2026-04-01): Doc D0314 is initial signed credit application which has only Co- Applicants details in Section 3. Doc XX is the final credit application which has only Applicant details in Section 3. Both initial and final credit application need to have both applicant details.<br>Buyer Comment (2026-03-30): Doc ID XX page 2. Thank you.<br>Reviewer Comment (2026-03-27): Credit application information for XX is not provided in file. Exception remains<br>Buyer Comment (2026-03-25): Refer doc ID XX | el |  |  | 1 B A | XX | CA | Investment | Refinance - Rate/Term | C A | N/A | Exempt from ATR | No |
| 832 | XX | XX | XX |  | 36716084 | 32026030030-33616 | 03/26/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2026-04-02): E-Sign Consent Agreement received.<br>Buyer Comment (2026-03-31): Initial disclosures e-sign confirmation attached. | 04/02/2026 |  |  | 1 C A | XX | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 832 | XX | XX | XX |  | 36716088 | 32026030030-40776 | 03/26/2026 | 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 three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-04-09): Received evidence of receipt of initial CD in trailing docs.<br>Buyer Comment (2026-04-09): Evidence of receipt of initial CD attached. | 04/09/2026 |  |  | 1 C A | XX | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| 832 | XX | XX | XX |  | 36716089 | 32026030030-5404 | 03/26/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX Third Party Verification | File is missing VVOE dated within 20 business days of Note. |  |  |  | Reviewer Comment (2026-04-02): Third party verification received within 20days of note date.<br>Buyer Comment (2026-03-31): Final VVOE attached. | 04/02/2026 |  |  | 1 C A | XX | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 832 | XX | XX | XX |  | 36716090 | 32026030030-25029 | 03/26/2026 | 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 missing VVOE within 20 business days of closing. |  |  |  | Reviewer Comment (2026-04-02): Third party verification received within 20days of note date.<br>Buyer Comment (2026-03-31): Final VVOE attached. | 04/02/2026 |  |  | 1 B A C | XX | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| 832 | XX | XX | XX |  | 36716091 | 32026030030-5695 | 03/26/2026 | 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. VVOE |  |  |  | Reviewer Comment (2026-04-02): Third party verification received within 20days of note date.<br>Buyer Comment (2026-03-31): Final VVOE attached. | 04/02/2026 |  |  | 1 C A | XX | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 832 | XX | XX | XX |  | 36716092 | 32026030030-33058 | 03/26/2026 | 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 VVOE within 20 days of the Note date. |  |  |  | Reviewer Comment (2026-04-02): Third party verification received within 20days of note date.<br>Buyer Comment (2026-03-31): Final VVOE attached. | 04/02/2026 |  |  | 1 C A | XX | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 832 | XX | XX | XX |  | 36716093 | 32026030030-29639 | 03/26/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing VVOE within 20 days of the Note date. |  |  |  | Reviewer Comment (2026-04-02): Third party verification received within 20days of note date.<br>Buyer Comment (2026-03-31): Final VVOE attached. | 04/02/2026 |  |  | 1 C A | XX | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 692 | XX | XX | XX |  | 36716095 | 12601002059-33616 | 03/27/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2026-04-01): E-Sign Consent Agreement received. Exception cleared.<br>Buyer Comment (2026-03-30): PFA | 04/01/2026 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Exempt from ATR | No |
| 692 | XX | XX | XX |  | 36716097 | 12601002059-6583 | 03/27/2026 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $247.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) |  |  |  |  | Reviewer Comment (2026-03-24): Sufficient Cure Provided At Closing |  | 03/24/2026 |  | 1 A | XX | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A B | Non QM | Exempt from ATR | No |
| 692 | XX | XX | XX |  | 36716098 | 12601002059-37730 | 03/27/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-03-27): CDFI lender testing ATR |  |  | 03/27/2026 | 2 A | XX | CA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Exempt from ATR | No |
| 692 | XX | XX | XX |  | 36716099 | 12601002059-6498 | 03/27/2026 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: 03/XX/2026 | Appraisal letter in file was not transferred to lender of Note. |  |  |  | Reviewer Comment (2026-04-09): Received Appraisal Transfer letter. Exception Cleared.<br>Buyer Comment (2026-04-07): PFA<br>Reviewer Comment (2026-04-06): The provided document reflects lender name as XX instead of XX, a Limited Liability Company. Required corrected Appraisal transfer letter with details. Exception remains.<br>Buyer Comment (2026-04-02): PFA Transfer letter<br>Reviewer Comment (2026-04-01): Required Appraisal transfer letter which reflects transferred to lender of Note. Exception remains.<br>Buyer Comment (2026-03-30): PFA | 04/09/2026 |  |  | 1 B A | XX | CA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Exempt from ATR | No |
| 703 | XX | XX | XX |  | 36716101 | 12602002771-37730 | 04/02/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | CDFI Bank Originated Loan submitted as non-exempt. |  |  |  | Reviewer Comment (2026-04-07): CDFI lender testing ATR.<br>Buyer Comment (2026-04-03): Please Waive |  |  | 04/07/2026 | 2 A | XX | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| 703 | XX | XX | XX |  | 36716103 | 12602002771-34957 | 04/02/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-2,969.00. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits increased from -$2,969.00 to $0.00, an increase of $2,969.00, without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2026-04-14): SitusAMC received rate lock and as per COC.<br>Buyer Comment (2026-04-13): Please see attached locked confirmation confirming pricing change.<br>Reviewer Comment (2026-04-06): SitusAMC received COC with additional information, however in case when loan amount change the lender credit change should be proportionate to the loan amount change, and if change is not proportionate there should be additional information that explains change in borrower eligibility change such as did not qualify for current product, or DTI increased or FICO score decreased. Though an LTV may change, the information did not state that there was a pricing/product/program change. Provide supporting document with additional information for pricing decreased or Cure would be due to borrower.<br>Buyer Comment (2026-04-03): PFA CD with COC | 04/14/2026 |  |  | 1 C A | XX | 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 | Exempt from ATR | No |
| 703 | XX | XX | XX |  | 36716104 | 12602002771-2666 | 04/02/2026 | 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 03/XX/2026, prior to three (3) business days from transaction date of 03/XX/2026. | Subject loan transaction disbursed on 03/XX/2026, prior to 3 business days from transaction date of 03/XX/2026. |  |  |  | Reviewer Comment (2026-04-13): Certified settlement statement reflecting 3/XX/2026 disbursement date received in trailing docs.<br>Buyer Comment (2026-04-09): PFA SS<br>Reviewer Comment (2026-04-07): A PCCD is a lender generated document and is unable to be used to update the disbursement date. A final signed/stamped certified closing statement from the settlement agent is required; otherwise, rescission will need to be reopened.<br>Buyer Comment (2026-04-03): PFA LOE and updated PC_CD | 04/13/2026 |  |  | 1 C A | XX | 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 C | Non QM | Exempt from ATR | No |
| 705 | XX | XX | XX |  | 36716108 | 12602003028-2798 | 04/02/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Provide Final 1003 as it is missing. |  |  |  | Reviewer Comment (2026-04-17): Final 1003 document received and verified. Exception cleared.<br>Buyer Comment (2026-04-15): PFA 1003 3/20<br>Reviewer Comment (2026-04-13): Document provided is dated post-consummation. If final 1003 was not obtained at consummation, a request to waive can be made; however, unable to clear.<br>Buyer Comment (2026-04-09): PFA with Docusign<br>Reviewer Comment (2026-04-08): Required copy of final 1003 signed at closing. Exception remains.<br>Buyer Comment (2026-04-06): PFA | 04/17/2026 |  |  | 1 C A | XX | OR | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 705 | XX | XX | XX |  | 36716109 | 12602003028-37730 | 04/02/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Buyer Comment (2026-04-03): We accept EV grade 2 |  |  | 04/03/2026 | 2 A | XX | OR | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 717 | XX | XX | XX |  | 36716112 | 12602004220-37730 | 04/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-06): CDFI lender testing ATR |  |  | 04/06/2026 | 2 A | XX | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 717 | XX | XX | XX |  | 36716115 | 12602004220-3831 | 04/06/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Letter for borrower living rent free. |  |  |  | Reviewer Comment (2026-04-13): Provided letter of explanation as borrower is living rent free at "xx" with her father to save money. Exception Cleared.<br>Buyer Comment (2026-04-09): loe | 04/13/2026 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 717 | XX | XX | XX |  | 36716116 | 12602004220-3831 | 04/06/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW discretion for borrower living rent free. |  |  |  | Reviewer Comment (2026-04-13): As per provided 1008 document Underwriter comments (per guidelines this is Underwriter Discretion) shows "Borrower is living rent free, Exception Cleared.<br>Buyer Comment (2026-04-09): uw discretion | 04/13/2026 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 829 | XX | XX | XX |  | 36716122 | 32026020147-35031 | 04/09/2026 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Tangible Net Benefit Disclosure | Minnesota 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 (2026-04-22): Unable to obtain disclosure signed at or prior to closing.<br>Reviewer Comment (2026-04-22): Provided disclosure is signed on 04/20/2026, which is post note date, require disclosure signed on or before note date.<br>Buyer Comment (2026-04-20): See attached Minnesota Net Tangible Benefit disclosure |  |  | 04/22/2026 | 2 B | XX | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 829 | XX | XX | XX |  | 36716124 | 32026020147-2808 | 04/14/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Please provide final approval reflecting correct doc type for subject loan. |  |  |  | Reviewer Comment (2026-04-16): Final approval received confirming document type 1099.<br>Buyer Comment (2026-04-14): Final approval showing correct loan program. | 04/16/2026 |  |  | 1 A | XX | MN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 744 | XX | XX | XX |  | 36716126 | 12603005446-33616 | 04/14/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2026-04-17): Econsent received.<br>Buyer Comment (2026-04-15): please see attached. | 04/17/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 744 | XX | XX | XX |  | 36716127 | 12603005446-37730 | 04/14/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | please waive off. |  |  |  | Reviewer Comment (2026-04-14): CDFI lender testing ATR |  |  | 04/14/2026 | 2 A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 777 | XX | XX | XX |  | 36716131 | 12603006537-3831 | 04/17/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the borrowers Closing Statement fully executed by all parties or stamped true and certified by title representative. Copy provided is an estimated closing statement. |  |  |  | Reviewer Comment (2026-04-27): Received Final Closing Statement document. Exception Cleared.<br>Buyer Comment (2026-04-23): please see attached | 04/27/2026 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | C A | N/A | Exempt from ATR | No |
| 777 | XX | XX | XX |  | 36716132 | 12603006537-33586 | 04/17/2026 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Child support judgment listed on title for installment payments. |  |  |  | Reviewer Comment (2026-05-06): Release of Judgement document received and verified. Exception cleared.<br>Buyer Comment (2026-05-04): please see attached document stating the lien is released.<br>Reviewer Comment (2026-04-29): Please provide document stating the obligation has been fully satisfied or lien is released or withdrawn. Exception Remains.<br>Buyer Comment (2026-04-27): please see attached | 05/06/2026 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | C A | N/A | Exempt from ATR | No |
| 702 | XX | XX | XX |  | 36716136 | 12602002716-37730 | 04/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-22): CDFI lender testing ATR<br>Buyer Comment (2026-04-22): Please waive. |  |  | 04/22/2026 | 2 A | XX | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| 702 | XX | XX | XX |  | 36716137 | 12602002716-767 | 04/20/2026 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Charge-offs / Balance: 4087.00, Credit Report: Original // Public Record Type: Charge-offs / Balance: 671.00 |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Loan to Value: 47.47774%<br> Guideline Maximum Loan to Value: 70.00000% | SitusAMC | Reviewer Comment (2026-05-01): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-04-29): exception |  |  | 05/01/2026 | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| 702 | XX | XX | XX |  | 36716138 | 12602002716-3831 | 04/20/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW discretion for living rent free. |  |  |  | Reviewer Comment (2026-04-30): Underwriter Discretion received along with the LOX confirming borrower is living rent free.<br>Buyer Comment (2026-04-28): UW discretion | 04/30/2026 |  |  | 1 C A | XX | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| 754 | XX | XX | XX |  | 36716141 | 12603005738-37730 | 04/23/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-22): CDFI lender testing ATR. |  |  | 04/22/2026 | 2 A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 754 | XX | XX | XX |  | 36716142 | 12603005738-3831 | 04/23/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide UW discretion for borrower living rent free with non spouse. |  |  |  | Reviewer Comment (2026-05-11): 1008 received in file and 1008 is reflecting underwriter comment section. Exception Cleared.<br>Buyer Comment (2026-05-07): uw discretion | 05/11/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 715 | XX | XX | XX |  | 36716144 | 12602004050-3831 | 04/23/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to verify that borrower will not occupy subject property as the primary residence as there were no acknowledgments to the questions on page 3 of the Credit Application. Please provide an updated document. |  |  |  | Reviewer Comment (2026-05-22): Corrected credit application.<br>Buyer Comment (2026-05-20): revised app<br>Reviewer Comment (2026-05-14): Please provide documentation reflecting this was sent to borrower for correction, as the signature page attached is the dated the same day as the one received in original images that did not indicate that borrower did not intend to occupy subject property.<br>Buyer Comment (2026-05-12): commercial app | 05/22/2026 |  |  | 1 C A | XX | FL | Investment | Refinance - Rate/Term | C A | N/A | Exempt from ATR | No |
| 714 | XX | XX | XX |  | 36716157 | 12602004020-37730 | 04/24/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-23): CDFI lender testing ATR. |  |  | 04/23/2026 | 2 A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 714 | XX | XX | XX |  | 36716160 | 12602004020-33616 | 04/24/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2026-04-30): Received E-consent Document, Exception Cleared.<br>Buyer Comment (2026-04-28): PFA | 04/30/2026 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 742 | XX | XX | XX |  | 36716161 | 12603005249-23931 | 04/27/2026 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2026-04-29): Final title. | 04/29/2026 |  |  | 1 A | XX | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| 742 | XX | XX | XX |  | 36716162 | 12603005249-41837 | 04/27/2026 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary; <br> State: CA | The Title Commitment or Preliminary title policy amount is blank. If the commitment or prelim does not state a coverage amount |  |  |  | Reviewer Comment (2026-04-29): Final title.<br>Buyer Comment (2026-04-29): Final title | 04/29/2026 |  |  | 1 B A | XX | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| 742 | XX | XX | XX |  | 36716163 | 12603005249-33563 | 04/27/2026 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | Date Issued: 04/XX/2026 / Relative Sequence Num: 1, Date Issued: 04/XX/2026 / Relative Sequence Num: 2 Issue Date: 04/XX/2026; Received Date: 04/XX/2022; Signed Date: 04/XX/2022<br> Issue Date: 04/XX/2026; Received Date: 04/XX/2022; Signed Date: 04/XX/2022 | Closing Disclosure: Dates are not in chronological order. Date Issued should be prior to Date Received and Date Received should be prior to Signed Date. |  |  |  | Reviewer Comment (2026-05-04): Corrected received dates updated for Closing disclosure document. Exception cleared<br>Buyer Comment (2026-04-30): Please see attached Corrected CD | 05/04/2026 |  |  | 1 B A | XX | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| 742 | XX | XX | XX |  | 36716164 | 12603005249-37730 | 04/27/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  | Reviewer Comment (2026-04-29): CDFI lender testing ATR.<br>Buyer Comment (2026-04-27): Please waive. |  |  | 04/29/2026 | 2 A | XX | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| 723 | XX | XX | XX |  | 36716166 | 12603004729-33616 | 04/28/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2026-05-06): Received e-sign consent. Exception cleared.<br>Buyer Comment (2026-05-04): Please find attached E-Sign consent. | 05/06/2026 |  |  | 1 C A | XX | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| 723 | XX | XX | XX |  | 36716171 | 12603004729-34957 | 04/28/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,175.00 exceeds tolerance of $-4,123.00. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,175.00 exceeds tolerance of $-4,123.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-05-06): SitusAMC received valid COC document<br>Buyer Comment (2026-05-05): Please find attached COC. | 05/06/2026 |  |  | 1 C A | XX | NJ | 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 | Exempt from ATR | No |
| 723 | XX | XX | XX |  | 36716173 | 12603004729-37730 | 04/28/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-30): CDFI lender testing ATR<br>Buyer Comment (2026-04-30): CDFI lender testing ATR. |  |  | 04/30/2026 | 2 A | XX | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| 723 | XX | XX | XX |  | 36716174 | 12603004729-34956 | 04/28/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2026 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $569,858.68 is over disclosed by $40.00 compared to the calculated Amount Financed of $569,818.68 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 04/XX/2026). (Final/XX/14/2026) | Final Closing Disclosure provided on 04/XX/2026 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $569,858.68 is over disclosed by $40.00 compared to the calculated Amount Financed of $569,818.68 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate |  |  |  | Reviewer Comment (2026-05-26): Cure docs provided<br>Reviewer Comment (2026-05-26): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br>Reviewer Comment (2026-05-21): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.<br>Buyer Comment (2026-05-20): PFA snip.<br>Buyer Comment (2026-05-20): PFA documents. |  | 05/26/2026 |  | 2 C B | XX | NJ | 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 | Exempt from ATR | No |
| 723 | XX | XX | XX |  | 36716175 | 12603004729-4376 | 04/28/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2026 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $908,018.77 is under disclosed by $40.00 compared to the calculated Finance Charge of $908,058.77 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 04/XX/2026). (Final/XX/14/2026) | The Finance charges disclosed on Final Closing Disclosure as $908,018.77. The calculated Finance Charge is $908,058.77, for an over-disclosed amount of $40. Reason for Finance Charge over disclosure is unknown. |  |  |  | Reviewer Comment (2026-05-26): Cure docs provided<br>Reviewer Comment (2026-05-26): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br>Buyer Comment (2026-05-22): PFA Documents.. |  | 05/26/2026 |  | 2 C B | XX | NJ | 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 | Exempt from ATR | No |
| 723 | XX | XX | XX |  | 36716176 | 12603004729-6543 | 04/28/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $545.00 exceeds tolerance of $470.00 plus 10% or $517.00. $28.00 over legal limit. Insufficient or no cure was provided to the borrower. (0) | 10% tolerance was exceeded by $75 due to Recording Fees. No valid COC provided, Specific credit of $28 has been provided as cure at closing. |  |  |  | Reviewer Comment (2026-05-06): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 05/06/2026 |  |  | 1 C A | XX | NJ | 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 | Exempt from ATR | No |
| 723 | XX | XX | XX |  | 36716177 | 12603004729-7039 | 04/28/2026 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | The H-9 form was used, the H-8 form should have been used. |  |  |  | Reviewer Comment (2026-05-26): Cure docs provided<br>Buyer Comment (2026-05-21): Attached are all RTC and correspondence info |  | 05/26/2026 |  | 2 C B | XX | NJ | 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 | Exempt from ATR | No |
| 723 | XX | XX | XX |  | 36716178 | 12603004729-6582 | 05/06/2026 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $545.00 exceeds tolerance of $470.00 plus 10% or $517.00. Sufficient or excess cure was provided to the borrower at Closing. (0) | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |  | 05/06/2026 |  | 1 A | XX | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Exempt from ATR | No |
| 701 | XX | XX | XX |  | 36716185 | 12602002633-3831 | 04/30/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of signing authority for the borrowing entity. |  |  |  | Reviewer Comment (2026-05-07): Signing Authority documnet received and verified. Exception cleared.<br>Buyer Comment (2026-05-05): PFA | 05/07/2026 |  |  | 1 C A | XX | TX | Investment | Refinance - Cash-out - Other | C A | N/A | Exempt from ATR | No |
| 763 | XX | XX | XX |  | 36716189 | 12603006029-37730 | 04/29/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-29): CDFI lender testing ATR. |  |  | 04/29/2026 | 2 A | XX | UT | Second Home | Purchase | B A | Non QM | Exempt from ATR | No |
| 763 | XX | XX | XX |  | 36716191 | 12603006029-3831 | 04/29/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for condotel property type on a non-investment loan. Compensating factors: FICO and reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | Reserves: 20.69<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 779<br>Documentation Type: 2yr Full Doc<br> Disposable Income: $9,950.65 | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-29): Waived with compensating factors per lender exception approval at origination. |  |  | 04/29/2026 | 2 B | XX | UT | Second Home | Purchase | B A | Non QM | Exempt from ATR | No |
| 784 | XX | XX | XX |  | 36716193 | 12603006795-37730 | 04/29/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-30): CDFI lender testing ATR<br>Buyer Comment (2026-04-30): CDFI lender testing ATR. |  |  | 04/30/2026 | 2 A | XX | NV | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 752 | XX | XX | XX |  | 36716195 | 12603005658-37730 | 04/29/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-29): CDFI lender testing ATR | 04/29/2026 |  |  | 1 A | XX | CA | Primary | Refinance - Rate/Term | B A | Non QM | Exempt from ATR | No |
| 752 | XX | XX | XX |  | 36716199 | 12603005658-41837 | 04/29/2026 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary; <br> State: CA |  |  |  |  | Reviewer Comment (2026-05-04): Received supplement of title report. Exception cleared.<br>Buyer Comment (2026-04-30): PFA | 05/04/2026 |  |  | 1 B A | XX | CA | Primary | Refinance - Rate/Term | B A | Non QM | Exempt from ATR | No |
| 783 | XX | XX | XX |  | 36716201 | 12603006778-37730 | 04/29/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-29): CDFI lender testing ATR | 04/29/2026 |  |  | 1 A | XX | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 783 | XX | XX | XX |  | 36716204 | 12603006778-25029 | 04/29/2026 | 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 Co-Borrower has been in the current job for less than two years. The Borrower was a student. |  |  |  | Reviewer Comment (2026-05-06): Received revised CPA letter and CPA verification. Exception Cleared. | 05/06/2026 |  |  | 1 B A C | XX | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Exempt from ATR | No |
| 783 | XX | XX | XX |  | 36716205 | 12603006778-5695 | 04/29/2026 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | The Co-Borrower has been in the current job for less than two years. The Borrower was a student. |  |  |  | Reviewer Comment (2026-05-06): Received revised CPA letter and CPA verification. Exception Cleared. | 05/06/2026 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 783 | XX | XX | XX |  | 36716206 | 12603006778-3831 | 04/29/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA is duly licensed or certified. Also, please provide evidence that the CPA has no affiliation with the borrower or the business. |  |  |  | Reviewer Comment (2026-05-06): Received revised CPA letter and CPA verification. Exception Cleared.<br>Buyer Comment (2026-05-05): cpa letter<br>Buyer Comment (2026-05-04): Enrolled agent | 05/06/2026 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 783 | XX | XX | XX |  | 36716207 | 12603006778-3831 | 04/29/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The 1003 disclosed borrowers' citizenship status as permanent residents, however, the file contains Employment Authorization for both borrowers. Please provide an updated verification of citizenship status. |  |  |  | Reviewer Comment (2026-05-06): Received revised 1003. Exception Cleared.<br>Buyer Comment (2026-05-05): summary<br>Buyer Comment (2026-05-05): 1003 | 05/06/2026 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 783 | XX | XX | XX |  | 36716208 | 12603006778-33058 | 04/29/2026 | 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 file did not disclose evidence that the CPA is duly licensed or certified, or if there is any affiliation with the borrower or the business. |  |  |  | Reviewer Comment (2026-05-06): Received revised CPA letter and CPA verification. Exception Cleared. | 05/06/2026 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 783 | XX | XX | XX |  | 36716209 | 12603006778-29639 | 04/29/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing CPA license and Attestation on no affiliation to the borrower or business. |  |  |  | Reviewer Comment (2026-05-06): Received revised CPA letter and CPA verification. Exception Cleared.<br>Buyer Comment (2026-05-05): see attached cpa letter and cpa verification | 05/06/2026 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 790 | XX | XX | XX |  | 36716211 | 12603007130-37730 | 04/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-30): CDFI lender testing ATR. |  |  | 04/30/2026 | 2 A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 790 | XX | XX | XX |  | 36716215 | 12603007130-33616 | 04/30/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2026-05-05): Received e-sign consent. Exception cleared.<br>Buyer Comment (2026-05-01): Please find attached the E-sign. | 05/05/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 775 | XX | XX | XX |  | 36716221 | 12603006450-37730 | 05/01/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation other than ATR Exempt. |  |  |  | Reviewer Comment (2026-05-01): CDFI lender testing ATR |  |  | 05/01/2026 | 2 A | XX | NV | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| 775 | XX | XX | XX |  | 36716225 | 12603006450-767 | 05/01/2026 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Collections / Balance: 11744.00, Credit Report: Original // Public Record Type: Collections / Balance: 6062.00, Credit Report: Original // Public Record Type: Charge-offs / Balance: 626.00, Credit Report: Original // Public Record Type: Foreclosure / Balance: 0.00, Credit Report: Original // Public Record Type: Foreclosure / Balance: 0.00 | Please provide evidence that the collections by XX have been settled. |  |  |  | Reviewer Comment (2026-05-12): XX and XX funding - both synchrony bank payoff statements received, both paid off through closing, $1,232.00 and $626.00 can remain open as per guidelines.<br>Buyer Comment (2026-05-08): $626 XX collection may remain open per guidelines.<br>Buyer Comment (2026-05-08): XX payoff reported on XX<br>Buyer Comment (2026-05-08): XX reflects XX payoff<br>Buyer Comment (2026-05-08): Payoff | 05/12/2026 |  |  | 1 B A | XX | NV | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| 742 | XX | XX | XX |  | 36716229 | 12603005290-37730 | 04/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-04-30): CDFI lender testing ATR |  |  | 04/30/2026 | 2 A | XX | TX | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| 742 | XX | XX | XX |  | 36716232 | 12603005290-6498 | 04/30/2026 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: 03/XX/2026 | The Appraisal Transfer was not addressed to Lender. Please provide an updated transfer letter disclosing C xx as the transferee. |  |  |  | Reviewer Comment (2026-05-06): Received appraisal transfer letter. Exception cleared.<br>Buyer Comment (2026-05-05): Appraisal Transfer Letter with correct lender.<br>Buyer Comment (2026-05-04): PFA as requested | 05/06/2026 |  |  | 1 B A | XX | TX | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| 728 | XX | XX | XX |  | 36716234 | 12603004856-37730 | 05/04/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-04): CDFI lender testing ATR. |  |  | 05/04/2026 | 2 A | XX | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 728 | XX | XX | XX |  | 36716237 | 12603004856-5404 | 05/04/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX Third Party Verification | Missing verification of business within 20 business days of the Note date. |  |  |  | Reviewer Comment (2026-05-19): Third party verification dated within 20 business days of Note date received in trailing documents. | 05/19/2026 |  |  | 1 C A | XX | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 728 | XX | XX | XX |  | 36716238 | 12603004856-25029 | 05/04/2026 | 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 verification of business within 20 business days of the Note date. |  |  |  | Reviewer Comment (2026-05-19): Third party verification dated within 20 business days of Note date received in trailing documents. | 05/19/2026 |  |  | 1 B A C | XX | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Exempt from ATR | No |
| 728 | XX | XX | XX |  | 36716239 | 12603004856-5695 | 05/04/2026 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing verification of business within 20 business days of the Note date. |  |  |  | Reviewer Comment (2026-05-19): Third party verification dated within 20 business days of Note date received in trailing documents. | 05/19/2026 |  |  | 1 C A | XX | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 728 | XX | XX | XX |  | 36716240 | 12603004856-33058 | 05/04/2026 | 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 of business within 20 business days of the Note date. |  |  |  | Reviewer Comment (2026-05-19): Third party verification dated within 20 business days of Note date received in trailing documents. | 05/19/2026 |  |  | 1 C A | XX | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 728 | XX | XX | XX |  | 36716241 | 12603004856-29639 | 05/04/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification of business within 20 business days of the Note date. |  |  |  | Reviewer Comment (2026-05-19): Third party verification dated within 20 business days of Note date received in trailing documents.<br>Buyer Comment (2026-05-15): please see attached<br>Reviewer Comment (2026-05-14): Third page received reflects that verification of the business being active is attached; however, this document was not included in the upload. Please provide this for review.<br>Buyer Comment (2026-05-12): please see attached exception with 3rd page<br>Reviewer Comment (2026-05-11): File is missing 3rd page detailing what was relied on pre-consummation in closing the loan without the required third party verification dated within 20 business days of the Note date.<br>Buyer Comment (2026-05-07): please see attached. | 05/19/2026 |  |  | 1 C A | XX | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 779 | XX | XX | XX |  | 36716247 | 12603006617-37730 | 05/04/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-04): CDFI lender testing ATR. |  |  | 05/04/2026 | 2 A | XX | FL | Primary | Refinance - Cash-out - Other | A | Non QM | Exempt from ATR | No |
| 808 | XX | XX | XX |  | 36716249 | 12604007567-37730 | 05/04/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-04): CDFI lender testing ATR. |  |  | 05/04/2026 | 2 A | XX | NV | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 761 | XX | XX | XX |  | 36716253 | 12603006012-37730 | 05/04/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-04): CDFI lender testing ATR. |  |  | 05/04/2026 | 2 A | XX | CA | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 803 | XX | XX | XX |  | 36716258 | 12603007440-5404 | 05/05/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX Account Statements - Personal, VA Verification of Benefits | VA Verification of Benefits/Bank statement /1099/Award letter missing. |  |  |  | Reviewer Comment (2026-05-11): Verified VA benefit from bank statement in file. Exception cleared<br>Buyer Comment (2026-05-07): Please re-review Folder 17 Personal and Business bank statements details are provided together | 05/11/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 803 | XX | XX | XX |  | 36716259 | 12603007440-27657 | 05/05/2026 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  |  |  |  |  | Reviewer Comment (2026-05-13): Missing statement received to complete 12 month history.<br>Buyer Comment (2026-05-08): Missing Bank Statement are provided | 05/13/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 803 | XX | XX | XX |  | 36716260 | 12603007440-29639 | 05/05/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | January 2026 and February 2026 Business Bank Statement and Va benefits form missing from file. |  |  |  | Reviewer Comment (2026-05-13): Missing statement received to complete 12 month history and verification of VA benefits received.<br>Reviewer Comment (2026-05-11): Cleared in error<br>Reviewer Comment (2026-05-11): Bank statement document available in file to verify VA benefits. Exception cleared<br>Buyer Comment (2026-05-08): PFA Bank Statement for the month of Jan and Feb 2026<br>Buyer Comment (2026-05-08): PFA attached bank Statement | 05/13/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 803 | XX | XX | XX |  | 36716261 | 12603007440-37730 | 05/05/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-05): CDFI lender testing ATR |  |  | 05/05/2026 | 2 A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 803 | XX | XX | XX |  | 36716262 | 12603007440-25029 | 05/05/2026 | 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 Business Bank Statement and VA benefits form missing from file. |  |  |  | Reviewer Comment (2026-05-13): Missing statement received to complete 12 month history and verification of VA benefits received.<br>Buyer Comment (2026-05-08): Missing Bank Statement are provided | 05/13/2026 |  |  | 1 B A C | XX | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Exempt from ATR | No |
| 803 | XX | XX | XX |  | 36716263 | 12603007440-5695 | 05/05/2026 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to Business Bank Statement and VA benefits form missing from file |  |  |  | Reviewer Comment (2026-05-13): Missing statement received to complete 12 month history and verification of VA benefits received.<br>Buyer Comment (2026-05-08): Missing Bank Statement are provided, no need for VA benefits. | 05/13/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 803 | XX | XX | XX |  | 36716265 | 12603007440-33058 | 05/05/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to Business Bank Statement and VA benefits form missing from file |  |  |  | Reviewer Comment (2026-05-13): Missing statement received to complete 12 month history and verification of VA benefits received.<br>Reviewer Comment (2026-05-11): Cleared in error<br>Reviewer Comment (2026-05-11): Business Bank statement and Asset document available in file to verify VA benefits. Exception cleared<br>Buyer Comment (2026-05-08): Missing Bank Statement are provided, no requirements for the VA benefits | 05/13/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 803 | XX | XX | XX |  | 36716266 | 12603007440-3880 | 05/05/2026 | 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 $15,103.17 may be required. | Loan Estimate document missing. |  |  |  | Reviewer Comment (2026-05-11): SitusAMC received initial LE<br>Buyer Comment (2026-05-08): PFA LEs with audit history<br>Buyer Comment (2026-05-08): PFA attached bank Statement | 05/11/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | No Defined Cure A | Non QM | Exempt from ATR | No |
| 809 | XX | XX | XX |  | 36716270 | 12604007573-37730 | 05/05/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. |  |  |  | Reviewer Comment (2026-05-04): CDFI lender testing ATR. |  |  | 05/04/2026 | 2 A | XX | GA | Primary | Refinance - Rate/Term | A | Non QM | Exempt from ATR | No |
| Dropped loan | XX | XX | XX |  | 36716276 | 12603006190-37730 | 05/05/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-05): CDFI lender testing ATR |  |  | 05/05/2026 | 2 A | XX | FL | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| Dropped loan | XX | XX | XX |  | 36716278 | 12603006190-3677 | 05/05/2026 | 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. | VVOE document not provided |  |  |  | Reviewer Comment (2026-06-17): When testing xx loans, we initially run an ATR equivalency review, which is why the ATR exception is cited. As part of our process, once the loan reaches the appropriate review stage and is confirmed to be exempt, we up the loan designation Exempt ATR and we cleared the exception.<br>Reviewer Comment (2026-05-29): cleared | 05/29/2026 |  |  | 1 B A C | XX | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Exempt from ATR | Exempt from ATR | No |
| Dropped loan | XX | XX | XX |  | 36716279 | 12603006190-3313 | 05/05/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XX/Wages) | VVOE document not provided |  |  |  | Reviewer Comment (2026-05-29): Waived with compensating factors per lender exception approval.<br>Reviewer Comment (2026-05-29): Regraded to EV2-B based on post-close lender exception outlining alternate pre-closing documentation used to verify employment.<br>Reviewer Comment (2026-05-28): Lender exception still reflects the paystubs as being relied upon to get comfortable approving the loan. Paystubs are either dated 30 days prior to the application date or 60 days prior to the Note date.<br>Buyer Comment (2026-05-25): Please find attached the updated exception approval.<br>Reviewer Comment (2026-05-20): Lender exception received; however, it states that lender relied on the paystubs in the file getting comfortable approving the loan. Upon further review of the file, paystub lender relying on is more than 30 days prior to the application date and more than 60 days prior to the Note date and does not meet guideline requirements. Lender will need to either update exception form, including approved exception for the paystubs dated older than 30 days of application date, or provide additional support for not obtaining a VVOE for the subject loan.<br>Buyer Comment (2026-05-17): Please find attached the revised exception, which includes additional details for ATR.<br>Reviewer Comment (2026-05-13): As this relates to ATR, lender will need to document what they relied on pre-consummation in getting comfortable approving the loan without the VVOE in file at all.<br>Buyer Comment (2026-05-10): Please find attached the Exception Approval. |  |  | 05/29/2026 | 2 C B | XX | FL | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| Dropped loan | XX | XX | XX |  | 36716280 | 12603006190-4204 | 05/05/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | VVOE document not provided |  |  |  | Reviewer Comment (2026-06-17): When testing xx loans, we initially run an ATR equivalency review, which is why the ATR exception is cited. As part of our process, once the loan reaches the appropriate review stage and is confirmed to be exempt, we up the loan designation Exempt ATR and we cleared the exception.<br>Reviewer Comment (2026-05-29): cleared | 05/29/2026 |  |  | 1 A | XX | FL | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| Dropped loan | XX | XX | XX |  | 36716281 | 12603006190-5404 | 05/05/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX VVOE - Employment Only |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: Asset Depletion<br> Disposable Income: $10,440.69<br>Reserves: 74.79<br> Guideline Requirement: 3.00<br>Loan to Value: 34.90909%<br> Guideline Maximum Loan to Value: 70.00000%<br>Guidelines Representative FICO: 640<br> Representative FICO: 740 | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-05-28): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-05-25): Please find attached the updated exception approval.<br>Reviewer Comment (2026-05-20): Lender exception received; however, it states that lender relied on the paystubs in the file getting comfortable approving the loan. Upon further review of the file, paystub lender relying on is more than 30 days prior to the application date and more than 60 days prior to the Note date and does not meet guideline requirements. Lender will need to either update exception form, including approved exception for the paystubs dated older than 30 days of application date, or provide additional support for not obtaining a VVOE for the subject loan.<br>Buyer Comment (2026-05-17): Please find attached the revised exception, which includes additional details for ATR.<br>Reviewer Comment (2026-05-13): As this relates to ATR, lender will need to document what they relied on pre-consummation in getting comfortable approving the loan without the VVOE in file at all.<br>Buyer Comment (2026-05-10): Please find attached the Exception Approval. |  |  | 05/28/2026 | 2 C B | XX | FL | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| Dropped loan | XX | XX | XX |  | 36716282 | 12603006190-5695 | 05/05/2026 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | VVOE document not provided |  |  |  | Reviewer Comment (2026-06-17): When testing xx loans, we initially run an ATR equivalency review, which is why the ATR exception is cited. As part of our process, once the loan reaches the appropriate review stage and is confirmed to be exempt, we up the loan designation Exempt ATR and we cleared the exception.<br>Reviewer Comment (2026-05-28): Cleared. | 05/28/2026 |  |  | 1 C A | XX | FL | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| Dropped loan | XX | XX | XX |  | 36716283 | 12603006190-25034 | 05/05/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 55.14250% moderately exceeds the guideline maximum of 55.00%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI increased due to insufficient funds available for Asset Depletion. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: Asset Depletion<br> Disposable Income: $10,440.69<br>Reserves: 74.79<br> Guideline Requirement: 3.00<br>Loan to Value: 34.90909%<br> Guideline Maximum Loan to Value: 70.00000%<br>Guidelines Representative FICO: 640<br> Representative FICO: 740 | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-05-29): Waived with compensating factors per lender exception approval. |  |  | 05/29/2026 | 2 C B | XX | FL | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| Dropped loan | XX | XX | XX |  | 36716284 | 12603006190-5366 | 05/05/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 55.14250% exceeds Guideline total debt ratio of 55.00000%. | DTI increased due to insufficient funds available for Asset Depletion. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: Asset Depletion<br> Disposable Income: $10,440.69<br>Reserves: 74.79<br> Guideline Requirement: 3.00<br>Loan to Value: 34.90909%<br> Guideline Maximum Loan to Value: 70.00000%<br>Guidelines Representative FICO: 640<br> Representative FICO: 740 | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-05-28): Waived with compensating factors per lender exception approval.<br>Reviewer Comment (2026-05-13): Condition to be re-reviewed when all income conditions are addressed/responded to.<br>Buyer Comment (2026-05-10): Please find attached the Exception Approval. |  |  | 05/28/2026 | 2 C B | XX | FL | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 788 | XX | XX | XX |  | 36716286 | 12603006876-37730 | 05/05/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. |  |  |  | Reviewer Comment (2026-05-05): CDFI lender testing ATR |  |  | 05/05/2026 | 2 A | XX | TX | Primary | Refinance - Rate/Term | A | Non QM | Exempt from ATR | No |
| 802 | XX | XX | XX |  | 36716295 | 12603007405-37730 | 05/05/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-05): CDFI lender testing ATR. |  |  | 05/05/2026 | 2 A | XX | NC | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 766 | XX | XX | XX |  | 36716298 | 12603006157-37730 | 05/05/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-05): CDFI lender testing ATR. |  |  | 05/05/2026 | 2 A | XX | AZ | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 766 | XX | XX | XX |  | 36716300 | 12603006157-6543 | 05/05/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,160.00 exceeds tolerance of $990.00 plus 10% or $1,089.00. $71.00 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Fee increased without a valid change of circumstance. |  |  |  | Reviewer Comment (2026-05-19): SitusAMC received LOX stating the borrower didn't shop from SSPL.<br>Buyer Comment (2026-05-18): Please see attached audit. | 05/19/2026 |  |  | 1 C A | XX | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Exempt from ATR | No |
| 774 | XX | XX | XX |  | 36716302 | 12603006444-6498 | 05/06/2026 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: 01/XX/2026 | Appraisal transfer letter is not provided. |  |  |  | Reviewer Comment (2026-05-11): Appraisal transfer letter provided and associated. Exception cleared<br>Buyer Comment (2026-05-07): PFA | 05/11/2026 |  |  | 1 B A | XX | NV | Primary | Purchase | B A | Non QM | Exempt from ATR | No |
| 774 | XX | XX | XX |  | 36716303 | 12603006444-37730 | 05/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | CDFI Bank Originated Loan submitted as Non-Exempt. |  |  |  | Reviewer Comment (2026-05-11): CDFI lender testing ATR<br>Buyer Comment (2026-05-07): CDFI lender testing ATR. |  |  | 05/11/2026 | 2 A | XX | NV | Primary | Purchase | B A | Non QM | Exempt from ATR | No |
| 760 | XX | XX | XX |  | 36716308 | 12603006003-2666 | 05/06/2026 | 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 04/XX/2026, prior to three (3) business days from transaction date of 04/XX/2026. | Subject loan transaction disbursed on 04/XX/2026, prior to three business days from the transaction date of 04/XX/2026. |  |  |  | Reviewer Comment (2026-05-12): PCCD received with disbursement date of 04/xx/2026.<br>Buyer Comment (2026-05-09): SS with Sign and stamp<br>Buyer Comment (2026-05-08): PFA Final SS and PC-CD and LOE with correct disbursement date | 05/12/2026 |  |  | 1 C A | XX | NV | 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 | Exempt from ATR | No |
| 760 | XX | XX | XX |  | 36716309 | 12603006003-2919 | 05/06/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | UW Discretion is required for borrower living rent-free with someone other than spouse. |  |  |  | Reviewer Comment (2026-05-12): 1008 received as UW Discretion.<br>Buyer Comment (2026-05-08): 1008 | 05/12/2026 |  |  | 1 C A D | XX | NV | Primary | Refinance - Cash-out - Other | D A C B | Non QM | Exempt from ATR | No |
| 760 | XX | XX | XX |  | 36716310 | 12603006003-3831 | 05/06/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The rent-free letter stated that borrower resided until September, 2026. Please update the letter disclosing the correct dates that borrower lived rent-free. |  |  |  | Reviewer Comment (2026-05-28): Received corrected LOE.<br>Buyer Comment (2026-05-26): loe<br>Reviewer Comment (2026-05-12): September of 2026 is a future date. The LOE states they resided until September of 2026, which is incorrect. Please provide LOE with correct dates of residence for review of this condition.<br>Buyer Comment (2026-05-08): The loe is correct. The Borrower stated on his signed 1003 he has lived at this current residence for 6 months. Prior to that he lived rent free with his mother. | 05/28/2026 |  |  | 1 C A | XX | NV | Primary | Refinance - Cash-out - Other | D A C B | Non QM | Exempt from ATR | No |
| 760 | XX | XX | XX |  | 36716311 | 12603006003-37730 | 05/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-06): CDFI lender testing ATR. |  |  | 05/06/2026 | 2 A | XX | NV | Primary | Refinance - Cash-out - Other | D A C B | Non QM | Exempt from ATR | No |
| 760 | XX | XX | XX |  | 36716313 | 12603006003-6498 | 05/06/2026 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: 04/XX/2026 | Appraisal transfer letter from XX was not provided. |  |  |  | Reviewer Comment (2026-05-11): Appraisal transfer letter provided and associated. Exception cleared<br>Buyer Comment (2026-05-07): PFA | 05/11/2026 |  |  | 1 B A | XX | NV | Primary | Refinance - Cash-out - Other | D A C B | Non QM | Exempt from ATR | No |
| 787 | XX | XX | XX |  | 36716319 | 12603006868-37730 | 05/07/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-06): CDFI lender testing ATR. |  |  | 05/06/2026 | 2 A | XX | CO | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 770 | XX | XX | XX |  | 36716322 | 12603006228-37730 | 05/07/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-07): CDFI lender testing ATR. |  |  | 05/07/2026 | 2 A | XX | CA | Primary | Refinance - Cash-out - Other | A | Non QM | Exempt from ATR | No |
| 793 | XX | XX | XX |  | 36716326 | 12603007209-30934 | 05/08/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | Borrower: XX, Borrower: XX Occupancy: Second Home; Declarations/Will borrower occupy: Yes<br> Occupancy: Second Home; Declarations/Will borrower occupy: Yes | Subject is a purchase of a second home. However, Declaration "Section A" reads that the borrower will occupy the property as "primary". A corrected Final 1003 is needed. |  |  |  | Reviewer Comment (2026-05-28): received corrected 1003 and esign process summary.<br>Buyer Comment (2026-05-26): summary<br>Buyer Comment (2026-05-26): 1003 | 05/28/2026 |  |  | 1 C A | XX | TN | Second Home | Purchase | D B A C | Non QM | Exempt from ATR | No |
| 793 | XX | XX | XX |  | 36716328 | 12603007209-25838 | 05/08/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX Insurance Verification | Unable to verify the expenses for $4,037.80 for the investment property XX |  |  |  | Reviewer Comment (2026-05-14): Evidence of first mortgage and HOI received in trailing documents.<br>Buyer Comment (2026-05-12): FPL<br>Buyer Comment (2026-05-12): HOI<br>Buyer Comment (2026-05-12): Tax cert | 05/14/2026 |  |  | 1 C A | XX | TN | Second Home | Purchase | D B A C | Non QM | Exempt from ATR | No |
| 793 | XX | XX | XX |  | 36716329 | 12603007209-37730 | 05/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-08): CDFI lender testing ATR. |  |  | 05/08/2026 | 2 A | XX | TN | Second Home | Purchase | D B A C | Non QM | Exempt from ATR | No |
| 793 | XX | XX | XX |  | 36716332 | 12603007209-4433 | 05/08/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2026 incorrectly disclosed whether the loan will have an escrow account. (Final/XX/28/2026) | On the provided Closing Disclosure page 4, 'Will not have an Escrow account' was checked; however, neither 'You declined it' nor 'Your lender does not offer one' boxes were checked. |  |  |  | Reviewer Comment (2026-05-14): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2026-05-13): PFA |  | 05/14/2026 |  | 2 C B | XX | TN | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Exempt from ATR | No |
| 793 | XX | XX | XX |  | 36716333 | 12603007209-25029 | 05/08/2026 | 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 Insurance verification for REO XX |  |  |  | Reviewer Comment (2026-05-14): Evidence of first mortgage and HOI received in trailing documents. | 05/14/2026 |  |  | 1 B A C | XX | TN | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Exempt from ATR | No |
| 793 | XX | XX | XX |  | 36716334 | 12603007209-33058 | 05/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing Insurance verification for REO XX |  |  |  | Reviewer Comment (2026-05-14): Evidence of first mortgage and HOI received in trailing documents. | 05/14/2026 |  |  | 1 C A | XX | TN | Second Home | Purchase | D B A C | Non QM | Exempt from ATR | No |
| 793 | XX | XX | XX |  | 36716335 | 12603007209-29639 | 05/08/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing Insurance verification for REO XX |  |  |  | Reviewer Comment (2026-05-14): Evidence of first mortgage and HOI received in trailing documents.<br>Buyer Comment (2026-05-12): see attached docs | 05/14/2026 |  |  | 1 C A | XX | TN | Second Home | Purchase | D B A C | Non QM | Exempt from ATR | No |
| 793 | XX | XX | XX |  | 36716336 | 12603007209-5695 | 05/08/2026 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing Insurance verification for REO XX |  |  |  | Reviewer Comment (2026-05-14): Evidence of first mortgage and HOI received in trailing documents. | 05/14/2026 |  |  | 1 C A | XX | TN | Second Home | Purchase | D B A C | Non QM | Exempt from ATR | No |
| 793 | XX | XX | XX |  | 36716337 | 12603007209-2919 | 05/08/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a Property Report verifying the primary residence is owned free and clear with taxes paid current. |  |  |  | Reviewer Comment (2026-05-14): Property history report reflecting no open liens and no delinquent taxes received in trailing documents.<br>Buyer Comment (2026-05-12): Property profile | 05/14/2026 |  |  | 1 C A D | XX | TN | Second Home | Purchase | D B A C | Non QM | Exempt from ATR | No |
| 806 | XX | XX | XX |  | 36716339 | 12604007530-37730 | 05/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-13): CDFI lender testing ATR<br>Buyer Comment (2026-05-11): Please waive. |  |  | 05/13/2026 | 2 A | XX | CA | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 740 | XX | XX | XX |  | 36716360 | 12603005230-37730 | 05/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-08): CDFI lender testing ATR |  |  | 05/08/2026 | 2 A | XX | FL | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 813 | XX | XX | XX |  | 36716362 | 12604007795-37730 | 05/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-13): CDFI lender testing ATR<br>Buyer Comment (2026-05-11): Please waive. |  |  | 05/13/2026 | 2 A | XX | CO | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 708 | XX | XX | XX |  | 36716366 | 12602003445-37730 | 05/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | CDFI Bank Originated Loan submitted as Non-Exempt. |  |  |  | Reviewer Comment (2026-05-12): CDFI lender testing ATR. |  |  | 05/12/2026 | 2 A | XX | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 708 | XX | XX | XX |  | 36716372 | 12602003445-28438 | 05/12/2026 | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent 12 months. | Borrower: XX// Employment Type: Employment / Income Type: Bank Statements / Start Date: 03/XX/2013, Borrower: XX // Employment Type: Employment / Income Type: Bank Statements / Start Date: 03/XX/2013, Borrower: XX // Employment Type: Employment / Income Type: Bank Statements / Start Date: 03/XX/2013 Statement Period Months provided: 11,<br> Statement Period Months provided: 11,<br> Statement Period Months provided: 11, | Account statement for 10/XX/2025 was not found in the loan file to complete 12 months required per guideline program. |  |  |  | Reviewer Comment (2026-05-20): Missing October 2025 statement provided in trailing docs.<br>Buyer Comment (2026-05-18): Oct statement | 05/20/2026 |  |  | 1 C A | XX | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 708 | XX | XX | XX |  | 36716373 | 12602003445-3677 | 05/12/2026 | 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. | Loan designation discrepancy due to missing October 2025 statement required to complete 12 month requirement for income calculation. |  |  |  | Reviewer Comment (2026-05-20): Missing October 2025 statement provided in trailing docs. | 05/20/2026 |  |  | 1 B A C | XX | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Exempt from ATR | No |
| 708 | XX | XX | XX |  | 36716374 | 12602003445-4204 | 05/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Loan designation discrepancy due to missing October 2025 statement required to complete 12 month requirement for income calculation. |  |  |  | Reviewer Comment (2026-05-20): Missing October 2025 statement provided in trailing docs. | 05/20/2026 |  |  | 1 A | XX | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 708 | XX | XX | XX |  | 36716375 | 12602003445-5695 | 05/12/2026 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan designation discrepancy due to missing October 2025 statement required to complete 12 month requirement for income calculation. |  |  |  | Reviewer Comment (2026-05-20): Missing October 2025 statement provided in trailing docs. | 05/20/2026 |  |  | 1 C A | XX | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 708 | XX | XX | XX |  | 36716376 | 12602003445-32888 | 05/12/2026 | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. | Borrower: XX // Employment Type: Employment / Income Type: Bank Statements / Start Date: 03/XX/2013 | Account statement for 10/XX/2025 was not found in the loan file to complete 12 months required per guideline program. |  |  |  | Reviewer Comment (2026-05-20): Missing October 2025 statement provided in trailing docs.<br>Buyer Comment (2026-05-18): see attached statement | 05/20/2026 |  |  | 1 C A | XX | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 708 | XX | XX | XX |  | 36716377 | 12602003445-32888 | 05/12/2026 | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. | Borrower: XX // Employment Type: Employment / Income Type: Bank Statements / Start Date: 03/XX/2013 | Account statement for 10/XX/2025 was not found in the loan file to complete 12 months required per guideline program. |  |  |  | Reviewer Comment (2026-05-20): Missing October 2025 statement provided in trailing docs.<br>Buyer Comment (2026-05-18): see attached statement | 05/20/2026 |  |  | 1 C A | XX | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 708 | XX | XX | XX |  | 36716378 | 12602003445-32888 | 05/12/2026 | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. | Borrower: XX // Employment Type: Employment / Income Type: Bank Statements / Start Date: 03/XX/2013 | Account statement for 10/XX/2025 was not found in the loan file to complete 12 months required per guideline program. |  |  |  | Reviewer Comment (2026-05-20): Missing October 2025 statement provided in trailing docs.<br>Buyer Comment (2026-05-18): see attached statement | 05/20/2026 |  |  | 1 C A | XX | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 708 | XX | XX | XX |  | 36716379 | 12602003445-29639 | 05/12/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Account statement for 10/XX/2025 was not found in the loan file to complete 12 months required per guideline program. |  |  |  | Reviewer Comment (2026-05-20): Missing October 2025 statement provided in trailing docs.<br>Buyer Comment (2026-05-18): see attached statement | 05/20/2026 |  |  | 1 C A | XX | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 708 | XX | XX | XX |  | 36716380 | 12602003445-33058 | 05/12/2026 | 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.) | Loan designation discrepancy due to missing October 2025 statement required to complete 12 month requirement for income calculation. |  |  |  | Reviewer Comment (2026-05-20): Missing October 2025 statement provided in trailing docs. | 05/20/2026 |  |  | 1 C A | XX | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 708 | XX | XX | XX |  | 36716381 | 12602003445-32884 | 05/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. (XX/Bank Statements) | Loan designation discrepancy due to missing October 2025 statement required to complete 12 month requirement for income calculation. |  |  |  | Reviewer Comment (2026-05-20): Missing October 2025 statement provided in trailing docs. | 05/20/2026 |  |  | 1 C A | XX | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 708 | XX | XX | XX |  | 36716382 | 12602003445-32884 | 05/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. (XX/Bank Statements) | Loan designation discrepancy due to missing October 2025 statement required to complete 12 month requirement for income calculation. |  |  |  | Reviewer Comment (2026-05-20): Missing October 2025 statement provided in trailing docs. | 05/20/2026 |  |  | 1 C A | XX | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 708 | XX | XX | XX |  | 36716383 | 12602003445-32884 | 05/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. (XX/Bank Statements) | Loan designation discrepancy due to missing October 2025 statement required to complete 12 month requirement for income calculation. |  |  |  | Reviewer Comment (2026-05-20): Missing October 2025 statement provided in trailing docs. | 05/20/2026 |  |  | 1 C A | XX | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 815 | XX | XX | XX |  | 36716385 | 12604007947-37730 | 05/11/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-05-14): CDFI lender testing ATR<br>Buyer Comment (2026-05-12): COC provided |  |  | 05/14/2026 | 2 A | XX | TX | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 815 | XX | XX | XX |  | 36716387 | 12604007947-34957 | 05/11/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-505.00. Insufficient or no cure was provided to the borrower. (9300) | Zero-percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-505.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-05-13): SitusAMC received a valid COC.<br>Buyer Comment (2026-05-12): PFA COC as requested | 05/13/2026 |  |  | 1 C A | XX | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Exempt from ATR | No |
| 815 | XX | XX | XX |  | 36716389 | 12604007947-6542 | 05/11/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,340.00 exceeds tolerance of $0.00. $5,340.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Zero-percent tolerance was exceeded by $5,340.00 due to the Loan Discount Points Fee. No valid COC was provided. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-05-13): SitusAMC received a valid COC.<br>Buyer Comment (2026-05-12): PFA COC as requested | 05/13/2026 |  |  | 1 C A | XX | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Exempt from ATR | No |
| 795 | XX | XX | XX |  | 36716391 | 12603007309-37730 | 05/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-11): CDFI lender testing ATR. |  |  | 05/11/2026 | 2 A | XX | NC | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 795 | XX | XX | XX |  | 36716396 | 12603007309-33616 | 05/12/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2026-05-20): E-sign disclosure provided.<br>Buyer Comment (2026-05-18): Please see.<br>Reviewer Comment (2026-05-15): Provide signed E-sign disclosure.<br>Buyer Comment (2026-05-13): Please find attached the E-Sign agreement. | 05/20/2026 |  |  | 1 C A | XX | NC | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 753 | XX | XX | XX |  | 36716401 | 12603005720-37730 | 05/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-15): CDFI lender testing ATR<br>Buyer Comment (2026-05-13): CDFI lender testing ATR. |  |  | 05/15/2026 | 2 A | XX | TX | Primary | Refinance - Rate/Term | A | Non QM | Exempt from ATR | No |
| 796 | XX | XX | XX |  | 36716406 | 12603007340-37730 | 05/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-15): CDFI lender testing ATR. |  |  | 05/15/2026 | 2 A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 796 | XX | XX | XX |  | 36716408 | 12603007340-3677 | 05/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to Points and Fees exception. |  |  |  | Reviewer Comment (2026-05-21): CPA and VVOE with CPA received in trailing documents.<br>Buyer Comment (2026-05-21): See attached CPA Letter<br>Reviewer Comment (2026-05-15): Document provided is the VVOE with the CPA prior to consummation and is not considered third party verification of self-employment dated no more than 20 business days from the Note date. File appears to be missing the CPA letter, as there is a CPA prepared P&L and evidence of the PTIN license; however, no CPA letter provided.<br>Buyer Comment (2026-05-13): Please see attached | 05/21/2026 |  |  | 1 B A C | XX | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Exempt from ATR | No |
| 796 | XX | XX | XX |  | 36716409 | 12603007340-4204 | 05/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to Points and Fees exception. |  |  |  | Reviewer Comment (2026-05-21): CPA and VVOE with CPA received in trailing documents. | 05/21/2026 |  |  | 1 A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 796 | XX | XX | XX |  | 36716410 | 12603007340-34658 | 05/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - P&L Statement Only | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (XX/P&L Statement Only) | Waterfall due to missing Third Party Verification. |  |  |  | Reviewer Comment (2026-05-21): CPA and VVOE with CPA received in trailing documents.<br>Buyer Comment (2026-05-21): Attached find CPA Letter.<br>Reviewer Comment (2026-05-19): Exception is not asking for the VVOE with the CPA. File is missing the actual CPA/tax preparer letter containing the required guideline verbiage/information to verify the borrower's self-employment/P&L document provided.<br>Buyer Comment (2026-05-18): Please see attached<br>Reviewer Comment (2026-05-15): Document provided is the VVOE with the CPA prior to consummation and is not considered third party verification of self-employment dated no more than 20 business days from the Note date.<br>Buyer Comment (2026-05-13): Please see attached | 05/21/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 796 | XX | XX | XX |  | 36716413 | 12603007340-5695 | 05/12/2026 | 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 Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing Third Party Verification. |  |  |  | Reviewer Comment (2026-05-21): CPA and VVOE with CPA received in trailing documents.<br>Reviewer Comment (2026-05-15): Document provided is the VVOE with the CPA prior to consummation and is not considered third party verification of self-employment dated no more than 20 business days from the Note date. File appears to be missing the CPA letter, as there is a CPA prepared P&L and evidence of the PTIN license; however, no CPA letter provided.<br>Buyer Comment (2026-05-13): Please see attached | 05/21/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 811 | XX | XX | XX |  | 36716416 | 12604007727-37730 | 05/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan originator designation was updated as per the guidelines. |  |  |  | Reviewer Comment (2026-05-15): CDFI lender testing ATR<br>Buyer Comment (2026-05-13): Please waive. |  |  | 05/15/2026 | 2 A | XX | TX | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| 782 | XX | XX | XX |  | 36716418 | 12603006768-37730 | 05/13/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-18): CDFI lender testing ATR<br>Buyer Comment (2026-05-14): CDFI lender testing ATR. |  |  | 05/18/2026 | 2 A | XX | CA | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| 782 | XX | XX | XX |  | 36716419 | 12603006768-18604 | 05/13/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 04/XX/2026 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final/XX/30/2026) | Seller Closing Disclosure missing in loan file. |  |  |  | Reviewer Comment (2026-05-18): SitusAMC received seller CD and final SS. No seller paid fees. Seems direct purchase from builder.<br>Buyer Comment (2026-05-14): Please find attached the seller docs. | 05/18/2026 |  |  | 1 C A | XX | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Exempt from ATR | No |
| 782 | XX | XX | XX |  | 36716420 | 12603006768-4961 | 05/13/2026 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Unable to verify 12 full months' housing history for the primary residence, as the file contained only the (3) most recent rental payments. If renting from a management company, please provide either a fully executed verification of rent or most recent lease agreement, along with a payment history ledger from management company, canceled checks (front and back), or bank statements showing account ownership and payments debited by the management company. If renting from a private landlord, please provide lease agreement for the address covering the most recent 12-month period, along with verification of timely payments made (either by canceled checks (front and back), or bank statements showing ownership and payments debited by the landlord. Underwriter discretion may apply. | Borrower has verified disposable income of at least $2500.00. | Documentation Type: 2yr Full Doc<br> Disposable Income: $5,825.83 | Originator,SitusAMC | Reviewer Comment (2026-05-22): Waived with compensating factors at client request.<br>Buyer Comment (2026-05-20): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2026-05-18): Lease received; however, without copies of the checks, we are unable to assume that a check from the account statements provided was paid to the landlord. If lender is accepting the bank statements, a request to waive can be made.<br>Buyer Comment (2026-05-15): Borrower provided 12 months XX statements reporting $2100 checks withdrawals to support rent payments.<br>Buyer Comment (2026-05-15): Per email from loan officer - Borrower's bank would only provide 3 months cancelled checks<br>Buyer Comment (2026-05-14): lease |  |  | 05/22/2026 | 2 C B | XX | CA | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| 818 | XX | XX | XX |  | 36716422 | 12604008754-37730 | 05/14/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-19): CDFI lender testing ATR<br>Buyer Comment (2026-05-15): Please waive. |  |  | 05/19/2026 | 2 A | XX | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| 818 | XX | XX | XX |  | 36716424 | 12604008754-3988 | 05/14/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 04/XX/2026 not received by borrower at least four (4) business days prior to closing. (Interim/XX/27/2026) | Loan Estimate dated 04/XX/2026 is missing evidence of receipt 4 business days prior to closing. |  |  |  | Reviewer Comment (2026-05-18): SitusAMC received LOE suffice<br>Buyer Comment (2026-05-15): See attached | 05/18/2026 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Exempt from ATR | No |
| 818 | XX | XX | XX |  | 36716425 | 12604008754-7042 | 05/14/2026 | 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. | H-8 format of right to cancel disclosure was used instead of H-9 format in a refinance done by same original creditor. |  |  |  | Reviewer Comment (2026-05-26): SitusAMC received Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.<br>Reviewer Comment (2026-05-21): Condition to be re-reviewed once rescission period expires. Eligible for re-review on 5/26/2026.<br>Buyer Comment (2026-05-21): See attached |  | 05/26/2026 |  | 2 B | XX | 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 | Exempt from ATR | No |
| 810 | XX | XX | XX |  | 36716426 | 12604007674-37730 | 05/14/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-19): CDFI lender testing ATR<br>Buyer Comment (2026-05-15): CDFI lender testing ATR. |  |  | 05/19/2026 | 2 A | XX | TN | Primary | Refinance - Cash-out - Other | A | Non QM | Exempt from ATR | No |
| 732 | XX | XX | XX |  | 36716432 | 12603005003-37730 | 05/14/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-19): CDFI lender testing ATR<br>Buyer Comment (2026-05-15): Lender testing CDFI. |  |  | 05/19/2026 | 2 A | XX | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 732 | XX | XX | XX |  | 36716435 | 12603005003-39780 | 05/14/2026 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. | Texas Cash-out Itemized Disclosure was not provided. |  |  |  | Reviewer Comment (2026-05-28): Received Closing Disclosure issued 04/27/2026. Exception cleared.<br>Buyer Comment (2026-05-26): PFA<br>Reviewer Comment (2026-05-22): Provide the following disclosure: "Owner Affidavit Acknowledging Lender Compliance Requirements to provide Owner Copy of Loan Application & Early Final Itemized Disclosure of Actual Fees, Points, Interest, Costs and Charges disclosure".<br>Buyer Comment (2026-05-20): we have a CD dated 4/17 which was signed by borrower on 4/22 , will that not be considered as Texas Cash-out Itemized Disclosure | 05/28/2026 |  |  | 1 C A | XX | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A | Non QM | Exempt from ATR | No |
| 812 | XX | XX | XX |  | 36716437 | 12604007773-37730 | 05/15/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  | Reviewer Comment (2026-05-15): CDFI lender testing ATR. |  |  | 05/15/2026 | 2 A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 812 | XX | XX | XX |  | 36716440 | 12604007773-33616 | 05/15/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2026-05-25): E-Sign Consent agreement associated. Exception cleared.<br>Buyer Comment (2026-05-21): PFA | 05/25/2026 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| 805 | XX | XX | XX |  | 36716444 | 12604007516-37730 | 05/18/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-05-18): CDFI lender testing ATR. |  |  | 05/18/2026 | 2 A | XX | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| 805 | XX | XX | XX |  | 36716446 | 12604007516-6542 | 05/18/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,000.00 exceeds tolerance of $3,000.00. $1,000.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,000.00 exceeds tolerance of $3,000.00. $1,000.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-05-20): SitusAMC received a valid COC.<br>Buyer Comment (2026-05-19): Please see attached | 05/20/2026 |  |  | 1 C A | XX | 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 | Exempt from ATR | No |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_001.jpg)

**NARRATIVE**

**NRMLT 2026-NQM8**

**By Canopy Financial Technology Partners LLC on June 18, 2026**

Canopy Financial Technology Partners LLC

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

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

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

![](ex99-5_001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Rithm Capital (the "Client") or its affiliated company. The Review was conducted from March to April 2026 via files imaged and provided by the Client for review.

The Review consisted of a population of two (2) loans with an aggregate principal balance of $580,750.

**Loan Sampling**

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

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); Fitch Ratings and Kroll Bond Rating Agency

**Data Integrity**

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

---

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

---

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

![](ex99-5_001.jpg)

---

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

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI;

· DSCR;

· Gross Income;

· Housing history;

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

![](ex99-5_001.jpg)

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

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

![](ex99-5_001.jpg)

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

· Borrower identity:

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

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

· Employment:

· Licensing – reviewed NMLS data for:

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

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

· Occupancy:

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

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

· OFAC.

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

![](ex99-5_001.jpg)

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

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

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

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

![](ex99-5_001.jpg)

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

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

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

**Compliance Review**

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

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

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

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

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

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

![](ex99-5_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex99-5_001.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;ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel, including
a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required
parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).
The appropriate Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings;

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

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

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

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

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

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

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

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

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

![](ex99-5_001.jpg)

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex99-5_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

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![](ex99-5_001.jpg)

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

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

**Ability to Repay (ATR)**

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

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

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

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![](ex99-5_001.jpg)

**VALUATION REVIEW**

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

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

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

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

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

![](ex99-5_001.jpg)

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

---

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

---

---

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

---

---

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

---

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

![](ex99-5_001.jpg)

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

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

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

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

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

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

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**FINDINGS TABLE**

**REVIEW TABLES**

---

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

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$580750.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$580750.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$580750.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$580750.00** |

---

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

![](ex99-5_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$348750.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$232000.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$580750.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$580750.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$580750.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$348750.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$232000.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$580750.00** |

---

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

![](ex99-5_001.jpg)

**DATA COMPARISON RESULTS**

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |

---

**Disclaimer**

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

 

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

 

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

 

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

 

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

 

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

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 858 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | LOW RISK | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX Eligible | 1 | XX |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 858 | XX |  |  | XX D A |
| 864 | XX |  |  | XX C A |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Occupancy** | **Loan Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 858 | XX |  | D A | Closed | FCRE3091 | 2026-03-24 13:15 | 2026-04-03 10:04 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of 06-XX-2026 is Equal to or After the Transaction Date of 03-XX-2026 Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-04/XX/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/XX/2026 <br> Open-Lender to provide the current Master HOA Policy. The Master Policy in file indicates policy effective date for Section A coverage (Property/Building/Windstorm or Hail/Terrorism) as 06/XX/2024 to 06/XX/2025 which was expired at time of closing (03/XX/2026). - Due Diligence Vendor-03/XX/2026 |  | Resolved-Master Policy Expiration Date of 06-29-2026 is Equal to or After the Transaction Date of 03-13-2026 Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-04/03/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX NC | Second Home | Purchase NA | N/A | N/A | XX |
| 858 | XX |  | D A | Closed | FCRE6843 | 2026-03-24 13:04 | 2026-04-03 10:03 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved- - Due Diligence Vendor-04/XX/2026 <br> Ready for Review-Document Uploaded. We didn't count the EMD or due diligence in our final cash to close - Buyer-04/XX/2026 <br> Open-Lender to provide documentation to confirm the $500 check #XX that cleared XX #XX on 11/7/2025 is the earnest money check and documentation to confirm $1000 due diligence check #XX, dated 2/XX/2026 clearedXX - Due Diligence Vendor-03/XX/2026 |  |  | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX NC | Second Home | Purchase NA | N/A | N/A | XX |
| 858 | XX |  | D A | Closed | FCRE2000 | 2026-03-24 13:06 | 2026-03-27 07:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. - Buyer-03/XX/2026 <br>Open-Incomplete or unexecuted Purchase Contract. Lender to provide Addendum/Amendment to Purchase Contract reducing Seller Credit from $1500 to $1200 as confirmed on Final CD. - Due Diligence Vendor-03/XX/2026 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/27/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX NC | Second Home | Purchase NA | N/A | N/A | XX |
| 864 | XX |  | C A | Closed | FCRE1167 | 2026-04-01 15:50 | 2026-04-07 10:36 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/XX/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/XX/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $XX is less than the minimum required coverage amount of $XX Please provide Replacement Cost estimate or documentation showing coverage of $XX - Due Diligence Vendor-04/XX/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX FL | Primary Residence | Purchase NA | N/A | N/A | XX |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 858 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4595 | 7.503 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18030.4 | N/A | Not Employed |  | No |  | No |  |
| 864 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5811.63 | 7.081 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4061.76 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.6

**Exhibit 99.6**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Rithm Capital. The review included a total of 40 newly originated residential mortgage loans acquired through a bulk purchase, in connection with the securitization identified as NRMLT 2026-NQM8 (the "Securitization"). The Review was conducted from July 2025 through May 2026 on mortgage loans originated between June 2025 and May 2026.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;b. Test
 Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required
 by TRID 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;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 a full three (3) day rescission period was provided to the borrower

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (40 loans in total):

Three (3) loans had a Secondary Appraisal, ten (10) loans had an AVM, zero (0) loans had a Field Review, and thirteen (13) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There was one (1) occurrence of this.

Zero (0) loans had a Second Desk Review, two (2) loans had a 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 (40) mortgage loans reviewed, thirty-two (32) unique mortgage loans (80.00% by loan count) had a total of one hundred thirteen (113) discrepancies across twenty-two (22) 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 All Borrower Residual Income | &nbsp;&nbsp;21 | &nbsp;&nbsp;18.58% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.73% |
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;8 | &nbsp;&nbsp;7.08% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;6.19% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;5.31% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;5.31% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;6 | &nbsp;&nbsp;5.31% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.42% |
| &nbsp;&nbsp;Co Borrower First Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.42% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.42% |
| &nbsp;&nbsp;Co Borrower Last Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.42% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.54% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.54% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.54% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.65% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.65% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.77% |
| &nbsp;&nbsp;First Pymt Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.77% |
| &nbsp;&nbsp;Mo Pymt (P&I) | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.77% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.77% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.88% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.88% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**113** | &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 | 38 | $24034200.00 | 95.00% |
| Event Grade B | 2 | $3500000.00 | 5.00% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 40 | $27540200.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 39 | 97.50% |
| Event Grade B | 1 | 2.50% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 40 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: (As applicable, 19 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 19 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 19 loans within population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 20 | 95.24% |
| Event Grade B | 1 | 4.76% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 21 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 40 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 40 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Background Check Missing or Defective | &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;Borrower 1 Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &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;PUD Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Not Executed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Note is Not Executed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Primary Residence and Rent-Free Scenario Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Insurance Expiration Date is before the Disbursement Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Current Employment Not Verified | &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;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**51** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &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;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;4 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-9 used for refinance not with Original Lender or Lender Affiliate | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Non-Borrower Title Holder Did Not Receive Right of Rescission Form | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;RESPA Homeownership Counseling Organizations Disclosure Date Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Right of Rescission is Not Executed | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**36** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-9 used for refinance not with Original Lender or Lender Affiliate | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;UCDP Summary Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**24** |

---

**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 99.6

**Exhibit 99.6 Schedule 1**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 852 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 853 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 853 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 854 | XX |  |  | XX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 865 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 864 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 840 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 860 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 856 | XX |  |  | XX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 864 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 867 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 857 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 870 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 844 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 838 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| Dropped Loan | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 866 | XX |  |  | XX A | B | B | B | B | B A | A | A | A | A | A |
| 861 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 869 | XX |  |  | XX A | C | C | C | C | C A | A | A | A | A | A |
| 842 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 843 | XX |  |  | XX A | B | B | B | B | B A | A | A | A | A | A |
| 846 | XX |  |  | XX A | B | B | B | B | B A | A | A | A | A | A |
| 847 | XX |  |  | XX A | C | C | C | C | C A | A | A | A | A | A |
| 850 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 855 | XX |  |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 862 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 863 | XX |  |  | XX A | C | C | C | C | C D A | A | A | A | A | A |
| 859 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 872 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 848 | XX |  |  | XX A | C | C | C | C | C A | A | A | A | A | A |
| 871 | XX |  |  | XX A | B | B | B | B | B A | A | A | A | A | A |
| 864 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 839 | XX |  |  | XX D | C | C | C | C | C A D B | A | A | A | A | A B |
| 868 | XX |  |  | XX A | C | C | C | C | C A | A | A | A | A | A |
| 873 | XX |  |  | XX A | C | C | C | C | C A | B | B | B | B | B A |
| 874 | XX |  |  | XX A | A | A | A | A | A C | A | A | A | A | A |
| 849 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 852 | XX |  | XX | XX | XX | XX | GA | ATR/QM Exempt | Loan Review Complete | 03/11/2026 | Resolved | 92300204908-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 853 | XX |  | XX | XX | XX | XX | GA | ATR/QM Exempt | Loan Review Complete | 03/11/2026 | Resolved | 92300204910-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 853 | XX |  | XX | XX | XX | XX | GA | ATR/QM Exempt | Loan Review Complete | 03/11/2026 | Resolved | 92300204909-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851 | XX |  | XX | XX | XX | XX | GA | ATR/QM Exempt | Loan Review Complete | 03/12/2026 | Resolved | 92300204906-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 854 | XX |  | XX | XX | XX | XX | AZ | ATR/QM Exempt | Loan Review Complete | 03/16/2026 | Resolved | 11517785851 | Credit | Title Insurance Missing or Defective | Title Commitment is missing mortgagee clause. Please provide updated title policy with ISAOA/ATIMA verbiage | 20260318: Title uploaded | 3/18/2026 | 20260318: Received Title | 03/18/2026 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 865 | XX |  | XX | XX | XX | XX | FL | ATR/QM Exempt | Loan Review Complete | 03/17/2026 | Resolved | 92400202715-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 864 | XX |  | XX | XX | XX | XX | FL | ATR/QM Exempt | Loan Review Complete | 03/24/2026 | Resolved | 92300206584-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 840 | XX |  | XX | XX | XX | XX | AR | ATR/QM Exempt | Loan Review Complete | 03/24/2026 | Resolved | 92010204095-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 860 | XX |  | XX | XX | XX | XX | IN | ATR/QM Exempt | Loan Review Complete | 03/27/2026 | Resolved | 92300205078-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 856 | XX |  | XX | XX | XX | XX | OH | ATR/QM Exempt | Loan Review Complete | 03/27/2026 | Resolved | 11614515847 | Credit | Title Insurance Missing or Defective | Lender on Title Insurance does not match Lender on Note and missing mortgagee clause. Please provide updated Title | 20260413: Title Uploaded | 4/13/2026 | 20260413: Received Title Insurance | 04/13/2026 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 864 | XX |  | XX | XX | XX | XX | CT | ATR/QM Exempt | Loan Review Complete | 03/27/2026 | Resolved | 11616258435 | Credit | Deed Missing or Defective | Missing Conveyance Deed from XX to XX | 20260402: Deed | 4/2/2026 | 20260402: Deed received | 04/02/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 867 | XX |  | XX | XX | XX | XX | TX | ATR/QM Exempt | Loan Review Complete | 04/02/2026 | Resolved | 92400203856-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 857 | XX |  | XX | XX | XX | XX | TX | ATR/QM Exempt | Loan Review Complete | 04/03/2026 | Resolved | 11670033729 | Property | Hazard Insurance Missing or Defective | Windstorm and Hail hazard insurance in file is a quote, please provide the finalized insurance policy | 20260406: Hazard Insurance policy | 4/6/2026 | 20260406: Hazard Insurance policy | 04/06/2026 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 870 | XX |  | XX | XX | XX | XX | MO | ATR/QM Exempt | Loan Review Complete | 04/06/2026 | Resolved | 92400204591-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841 | XX |  | XX | XX | XX | XX | NY | ATR/QM Exempt | Loan Review Complete | 04/22/2026 | Resolved | 92010204509-01 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 844 | XX |  | XX | XX | XX | XX | FL | ATR/QM Exempt | Loan Review Complete | 04/29/2026 | Resolved | 92010204743-01 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845 | XX |  | XX | XX | XX | XX | FL | ATR/QM Exempt | Loan Review Complete | 04/29/2026 | Resolved | 92010204827-01 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 838 | XX |  | XX | XX | XX | XX | NY | ATR/QM Exempt | Loan Review Complete | 05/07/2026 | Resolved | 11953669180 | Credit | Evidence of Primary Residence and Rent-Free Scenario Missing or Defective | Missing VOM for borrower's promary residence: XX | 20260508: VOM | 5/8/2026 | 20260511:VOM received | 05/11/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| Dropped Loan | XX |  | XX | XX | XX | XX | CO | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 9505756667 | Credit | Background Check Missing or Defective | Missing Background Report for: XX | 20250703: Uploaded Fraud | 7/3/2025 | 20250703: Received Fraud | 07/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| Dropped Loan | XX |  | XX | XX | XX | XX | CO | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 9505757831 | Property | Appraisal Missing or Defective | Missing Appraisal for subject property: XX | 20250703: Uploaded Appraisal | 7/3/2025 | 20250703: Received Appraisal | 07/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| Dropped Loan | XX |  | XX | XX | XX | XX | CO | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 9505759479 | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property: XX | 20250703: Uploaded with Appraisal | 7/3/2025 | 20250703: Received appraisal review | 07/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 866 | XX |  | XX | XX | XX | XX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 3/19/2026 | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided | 03/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.75% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.75% is less than Guideline CLTV of 75%<br>Qualifying DTI below max allowed. - Calculated DTI of 11.6% is less than Guideline DTI of 50% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 866 | XX |  | XX | XX | XX | XX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.75% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.75% is less than Guideline CLTV of 75%<br>Qualifying DTI below max allowed. - Calculated DTI of 11.6% is less than Guideline DTI of 50% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 866 | XX |  | XX | XX | XX | XX | CT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/17/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.75% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.75% is less than Guideline CLTV of 75%<br>Qualifying DTI below max allowed. - Calculated DTI of 11.6% is less than Guideline DTI of 50% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 861 | XX |  | XX | XX | XX | XX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/18/2026 | Borrower has stable job time - Borrower has 2.18 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 24.71% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 861 | XX |  | XX | XX | XX | XX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/18/2026 | Borrower has stable job time - Borrower has 2.18 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 24.71% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 861 | XX |  | XX | XX | XX | XX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/18/2026 | Borrower has stable job time - Borrower has 2.18 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 24.71% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 869 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation Required: The disbursement date of 03/XX/26 is on or before the cancel by date on the ROR listed as 03/XX/2026. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing 3 days right to cancel. | Document Uploaded. | 3/26/2026 | PCCD provided with updated disbursement date; exception resolved; PCCD provided with updated disbursement date; exception resolved | 03/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.55% is less than Guideline CLTV of 65%<br>Qualifying DTI below max allowed. - Calculated DTI of 28.26% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 51.55% is less than Guideline LTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 6.51 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 869 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCOM1852 | Compliance | Incorrect rescission model used - RTC form model H-9 used for refinance not with Original Lender or Lender Affiliate | Incorrect rescission model used - RTC form model H9 (Same Creditor) used for refinance not with Original Lender or Lender Affiliate Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form H-9 (Same Lender) form was used and should have been H-8 (New Lender) form. In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required. | Document Uploaded. | 3/26/2026 | Correct RTC form has been provided | 03/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.55% is less than Guideline CLTV of 65%<br>Qualifying DTI below max allowed. - Calculated DTI of 28.26% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 51.55% is less than Guideline LTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 6.51 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 869 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 3/26/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.55% is less than Guideline CLTV of 65%<br>Qualifying DTI below max allowed. - Calculated DTI of 28.26% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 51.55% is less than Guideline LTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 6.51 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 869 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/23/2026 | Resolved | FCOM1265 | Compliance | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Non-Borrower Title Holder Did Not Receive Right of Rescission Form Documentation required: Provide executed Rescission Notice provided to non-borrowing spouse. | Document Uploaded. | 3/26/2026 | Non-Borrower Title Holder Received Right of Rescission Form | 03/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.55% is less than Guideline CLTV of 65%<br>Qualifying DTI below max allowed. - Calculated DTI of 28.26% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 51.55% is less than Guideline LTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 6.51 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 869 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.55% is less than Guideline CLTV of 65%<br>Qualifying DTI below max allowed. - Calculated DTI of 28.26% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 51.55% is less than Guideline LTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 6.51 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 869 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.55% is less than Guideline CLTV of 65%<br>Qualifying DTI below max allowed. - Calculated DTI of 28.26% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 51.55% is less than Guideline LTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 6.51 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 842 | XX |  | XX | XX | XX | XX | NY | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/06/2026 | Borrower has stable job time - Borrower has 9.37 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 7.34% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842 | XX |  | XX | XX | XX | XX | NY | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/06/2026 | Borrower has stable job time - Borrower has 9.37 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 7.34% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842 | XX |  | XX | XX | XX | XX | NY | ATR/QM: Exempt | Loan Review Complete | 04/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/06/2026 | Borrower has stable job time - Borrower has 9.37 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 7.34% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 843 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated 02/XX/2026; however, file is missing proof of e-consent dated 02/XX/2026 or before. | Document Uploaded. | 4/9/2026 | Evidence of eConsent is provided. | 04/09/2026 | Borrower has stable job time - Borrower has 13.58 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700.<br>Qualifying DTI below max allowed. - Calculated DTI of 32.74% is less than Guideline DTI of 50% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 843 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/06/2026 | Borrower has stable job time - Borrower has 13.58 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700.<br>Qualifying DTI below max allowed. - Calculated DTI of 32.74% is less than Guideline DTI of 50% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 843 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/06/2026 | Borrower has stable job time - Borrower has 13.58 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700.<br>Qualifying DTI below max allowed. - Calculated DTI of 32.74% is less than Guideline DTI of 50% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 846 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated 02/XX/2026; however, file is missing proof of e-consent dated 02/XX/2026 or before. | Document Uploaded. | 4/9/2026 | Evidence of eConsent is provided. | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 740.<br>Borrower has stable job time - Borrower has 3.78 years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 846 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 740.<br>Borrower has stable job time - Borrower has 3.78 years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 847 | XX |  | XX | XX | XX | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | 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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,040.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $1040.00; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Discount points increased on the CD issued 3/25/2026 without a valid reason issued within 3 business days in the loan file. | Document Uploaded. | 4/14/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.34% is less than Guideline CLTV of 75%<br>Qualifying DTI below max allowed. - Calculated DTI of 31.26% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 32.34% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 10.99 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 847 | XX |  | XX | XX | XX | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 04/15/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.34% is less than Guideline CLTV of 75%<br>Qualifying DTI below max allowed. - Calculated DTI of 31.26% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 32.34% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 10.99 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 847 | XX |  | XX | XX | XX | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/07/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.34% is less than Guideline CLTV of 75%<br>Qualifying DTI below max allowed. - Calculated DTI of 31.26% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 32.34% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 10.99 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 847 | XX |  | XX | XX | XX | XX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/07/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.34% is less than Guideline CLTV of 75%<br>Qualifying DTI below max allowed. - Calculated DTI of 31.26% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 32.34% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 10.99 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 850 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 767 is greater than Guideline minimum FICO of 700.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.52% is less than Guideline CLTV of 65%<br>Qualifying DTI below max allowed. - Calculated DTI of 31.84% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 26.52% is less than Guideline LTV of 65% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 850 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 767 is greater than Guideline minimum FICO of 700.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.52% is less than Guideline CLTV of 65%<br>Qualifying DTI below max allowed. - Calculated DTI of 31.84% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 26.52% is less than Guideline LTV of 65% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 850 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 767 is greater than Guideline minimum FICO of 700.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.52% is less than Guideline CLTV of 65%<br>Qualifying DTI below max allowed. - Calculated DTI of 31.84% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 26.52% is less than Guideline LTV of 65% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. | Document Uploaded. | 4/9/2026 | Borrower 1 Credit Report is not missing.; CR provided | 05/01/2026 | Borrower has stable job time - Borrower has 9.65 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE5771 | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. | Document Uploaded. | 4/9/2026 | Borrower 2 Credit Report is not missing.; CR provided | 05/01/2026 | Borrower has stable job time - Borrower has 9.65 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCRE1495 | Credit | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified. | Document Uploaded. | 4/9/2026 | ATR: Current Employment Was Verified.; Resolved previous condition; VVOE provided. | 04/10/2026 | Borrower has stable job time - Borrower has 9.65 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered. |  |  | ATR: Reasonable Income or Assets Was Considered. | 04/10/2026 | Borrower has stable job time - Borrower has 9.65 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Hazard Insurance Policy is missing from the file. | Document Uploaded. | 4/9/2026 | Hazard Insurance Policy is fully present; Cert provided. | 04/10/2026 | Borrower has stable job time - Borrower has 9.65 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCRE1164 | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy Flood insurance policy is missing from the file. | Document Uploaded. | 4/9/2026 | Flood Insurance Policy is fully present; Cert provided | 04/10/2026 | Borrower has stable job time - Borrower has 9.65 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCRE1170 | Credit | Flood Insurance Expiration Date is before the Disbursement Date | Flood Insurance Expiration Date of 04-XX-2025 is prior to the Disbursement Date of 03-XX-2026 |  |  | Flood Insurance Expiration Date of 04-XX-2026 is equal to or after the Disbursement Date of 03-XX-2026 Or Flood Insurance Expiration Date Is Not Provided | 04/10/2026 | Borrower has stable job time - Borrower has 9.65 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Document Uploaded. | 4/9/2026 | Third Party Fraud Report is provided; Fraud report provided. | 04/10/2026 | Borrower has stable job time - Borrower has 9.65 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of is less than Guideline FICO of 760. Credit Report is missing from the file. | Document Uploaded. | 4/9/2026 | Audited FICO of 760 is greater than or equal to Guideline FICO of 760; Report provided - Resolved. | 04/10/2026 | Borrower has stable job time - Borrower has 9.65 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Satisfactory Verification of Business (ie: CPA letter, etc.) is missing from the file. | Document Uploaded. | 4/9/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided; VVOE attached. | 04/10/2026 | Borrower has stable job time - Borrower has 9.65 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines B1's 12 months business bank statements and the Lender's income calculation worksheet is missing from the file. | Document Uploaded. | 4/9/2026 | Income and Employment Meet Guidelines; Worksheet provided along with statements required. | 04/10/2026 | Borrower has stable job time - Borrower has 9.65 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2026 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing | Document Uploaded. | 4/9/2026 | Title Document is fully Present; Title provided | 04/10/2026 | Borrower has stable job time - Borrower has 9.65 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has 9.65 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 855 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has 9.65 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 21% is less than Guideline DTI of 50% Many pertinent documents are missing from the file to properly validate the qualifying DTI ratios. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 862 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.89% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.89% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 767 is greater than Guideline minimum FICO of 740.<br>Borrower has stable job time - Borrower has 4.9 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 862 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.89% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.89% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 767 is greater than Guideline minimum FICO of 740.<br>Borrower has stable job time - Borrower has 4.9 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 862 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.89% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.89% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 767 is greater than Guideline minimum FICO of 740.<br>Borrower has stable job time - Borrower has 4.9 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 863 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The 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 ($2,472.80) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,508.00). 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: Refund in the amount of $35.20 ; 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 $35.20 is due to the decrease from $2508 to $2472.8 for the Lender Credits. The Lender Credits decreased on the initial CD dated 3/10/26. The file did not contain a COC for that date | Document Uploaded. | 4/22/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 04/24/2026 | Qualifying DTI below max allowed. - Calculated DTI of 44.22% is less than Guideline DTI of 55% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 863 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | FPRO0936 | Property | UCDP Summary Report is Missing | UCDP Summary Report is Missing | Document Uploaded. | 4/15/2026 | ; UCDP with score of 1.8 provided | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of 44.22% is less than Guideline DTI of 55% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 859 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.72% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.72% is less than Guideline CLTV of 75%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 817 is greater than Guideline minimum FICO of 720. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 859 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.72% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.72% is less than Guideline CLTV of 75%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 817 is greater than Guideline minimum FICO of 720. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 859 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/13/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.72% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.72% is less than Guideline CLTV of 75%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 817 is greater than Guideline minimum FICO of 720. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 872 | XX |  | XX | XX | XX | XX | TN | ATR/QM: Exempt | Loan Review Complete | 04/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of 7.17% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 872 | XX |  | XX | XX | XX | XX | TN | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of 7.17% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 872 | XX |  | XX | XX | XX | XX | TN | ATR/QM: Exempt | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of 7.17% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 848 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated 03/18/2026 and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer 3 business days prior to consummation on 03/18/2026. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. | 4/15/2026 | Initial CD received - exception resolved; Initial CD received - exception resolved | 04/15/2026 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 848 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within 3-business days of application, 02/17/2026 This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. | Document Uploaded. | 4/15/2026 | Homeownership Counseling Organizations Disclosure received - exception resolved; Homeownership Counseling Organizations Disclosure received - exception resolved | 04/15/2026 | C A B | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 848 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $2,695: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within 3 business days of the application date of 2/17/26, as the earliest available LE is dated 2/24/26. <br>Please provide the initial LE issued within 3 business days of the application date of 2/17/26. Additional testing will be completed, once the initial LE is provided. <br>This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,695.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 4/15/2026 | Initial LE and CD received - exception resolved; Initial LE and CD received - exception resolved | 04/15/2026 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 848 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,504.10) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $2,504.10: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within 3 business days of the application date of 2/17/26, as the earliest available LE is dated 2/XX/26. <br>Please provide the initial LE issued within 3 business days of the application date of 2/XX/26 and the initial CD within 3 days of consummation 3/XX/26. Additional testing will be completed, once the initial LE is provided. Also Please provide the SSPL dated within 3 days of the application. <br>| Document Uploaded. | 4/15/2026 | Initial LE and CD received - exception resolved; Initial LE and CD received - exception resolved | 04/15/2026 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 848 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2026 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | Please provide the initial LE issued within 3 business days of the application date of 2/17/26. Additional testing will be completed, once the initial LE is provided. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | Document Uploaded. | 4/15/2026 | Initial LE received - exception resolved; Initial LE received - exception resolved | 04/15/2026 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 848 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 848 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 871 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 4/20/2026 | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided.; Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. <br>; Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. <br>; Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. <br>| 04/21/2026 | B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 871 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/17/2026 | B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 871 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/17/2026 | B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 864 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/14/2026 | Borrower has stable job time - Borrower has 7.51 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 37.36% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 864 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/14/2026 | Borrower has stable job time - Borrower has 7.51 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 37.36% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 864 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/14/2026 | Borrower has stable job time - Borrower has 7.51 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 37.36% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 839 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCOM1207 | Credit | The Note is Not Executed | The Note is Not Executed Provide executed Note. | Document Uploaded. | 4/16/2026 | The Note is Executed | 04/22/2026 | Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 9.31 years on job. A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 839 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing. Executed Initial 1003 in file, provide final 1003 that is also reflecting borrower as a non-permanent resident Alien. Executed Initial 1003 reflects borrower as a permanent residence however evidence provide is a work visa. | Document Uploaded. ; Document Uploaded. | 4/17/2026 | The Final 1003 is Present; Client provided Final 1003; ; Client provided ROR - Countered - Missing final 1003. | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 9.31 years on job. A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 839 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed Provide executed/notarized Deed of Trust, not contained in loan file. | Document Uploaded. | 4/16/2026 | The Deed of Trust is Executed; DOT provided | 04/17/2026 | Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 9.31 years on job. A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 839 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing Provide PUD Rider, appraisal reflects property is in a PUD. | Document Uploaded. | 4/16/2026 |  |  | Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 9.31 years on job. A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 839 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/13/2026 | Resolved | FCOM1264 | Compliance | Right of Rescission is Not Executed | Right of Rescission is Not Executed Documentation required to clear exception: Provide executed Right of Rescission for all borrowers. The Right to Cancel Notice was not signed by the borrower/co-borrower. <br>| Document Uploaded. | 4/16/2026 | Right of Rescission is Executed | 04/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 9.31 years on job. A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 839 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 04/15/2026 | Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 9.31 years on job. A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 839 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75% Lender Exception Request Granted: XX loan amount 80% of appraised value. Lender Comments/Conditions: 3/26 VD Exception request to allow 80% LTV with LA of $XX approved. Lender Compensating Factors: DTI > than 10% below program requirement, High discretionary income, 5 years in current job, VOR Ox30 in 24 months |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 9.31 years on job. A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 839 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 80% exceeds Guideline HCLTV of 75% Lender Exception Request Granted:XXloan amount 80% of appraised value. Lender Comments/Conditions: 3/26 VD Exception request to allow 80% LTV with LA of $XX approved. Lender Compensating Factors: DTI > than 10% below program requirement, High discretionary income, 5 years in current job, VOR Ox30 in 24 months |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 9.31 years on job. A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 839 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2026 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 80% exceeds Guideline CLTV of 75% Lender Exception Request Granted: XX loan amount 80% of appraised value. Lender Comments/Conditions: 3/26 VD Exception request to allow 80% LTV with LA of XX approved. Lender Compensating Factors: DTI > than 10% below program requirement, High discretionary income, 5 years in current job, VOR Ox30 in 24 months |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 15.11% is less than Guideline DTI of 45%<br>Borrower has stable job time - Borrower has 9.31 years on job. A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 868 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | 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))The 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; orThe 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; orThe 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 evidence of receipt, it is assumed that the disclosure dated 04/XX/2026 was mailed, and therefore not received by the consumer 4 business days prior to the consummation date, 04/XX/2026. The defect can be cured by providing evidence showing the consumer received the loan estimate at least 4 business days prior to consummation.<br>| Document Uploaded. ; Document Uploaded. | 4/22/2026 | Received Final LE receipt date - exception resolved; Attached documentation shows evidence of delivery but doesn't show evidence of receipt. To clear the exception please provide evidence of receipt of LE 04/01/2026. | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 700.<br>Borrower has stable job time - Borrower has 13.26 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 868 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.<br>| Document Uploaded. Document was uploaded 4/20. Please advise if not sufficient. Thank you.; Document Uploaded. | 4/21/2026 | Affiliated business disclosure provided, exception resolved; Required Affiliated Business Disclosure Documentation Provided.; Required Affiliated Business Disclosure Missing. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 700.<br>Borrower has stable job time - Borrower has 13.26 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 868 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated 03/02/2026, however missing proof of e-consent dated 10/08/202503/02/2026. or before.<br>| Can you please confirm exactly what is needed here? Initial disclosures were esigned on 3/2/26. Why would there be a need for an econsent from 10/8/25? Please advise. Thank you! | 4/20/2026 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 700.<br>Borrower has stable job time - Borrower has 13.26 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 868 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,750.00) exceed the comparable charges ($1,435.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130 Cure Required. Refund in the amount of $171.50; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The 10% tolerance violation in the amount of $171.50 is due to increase from $335.00 to $650.00 for the Mortgage Recording Fee on the CD issued 4/3/2026 without a valid reason.<br>| Document Uploaded. | 4/20/2026 | Received corrected PCCD - exception resolved; Received corrected PCCD - exception resolved | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 700.<br>Borrower has stable job time - Borrower has 13.26 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 868 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 700.<br>Borrower has stable job time - Borrower has 13.26 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 868 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 700.<br>Borrower has stable job time - Borrower has 13.26 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 873 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2026 | 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))The 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; orThe 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; orThe 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. 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))The 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; orThe 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; orThe 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. Document Uploaded. Document Uploaded. Document Uploaded. Revised LE receipt date provided; exception resolved Revised LE receipt date provided; exception resolved |  |  | Without evidence of receipt, it is assumed that the LE dated 03/XX/2026 was mailed, and therefore not received by the consumer 4 business days prior to the consummation date, 04/XX/2026. The defect can be cured by providing evidence showing the consumer received the loan estimate at least 4 business days prior to consummation | 04/22/2026 | Borrower has stable job time - Borrower has 26.69 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.42% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 67.42% is less than Guideline LTV of 80% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 873 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Cured | FCOM1852 | Compliance | Incorrect rescission model used - RTC form model H-9 used for refinance not with Original Lender or Lender Affiliate | Incorrect rescission model used - RTC form model H9 (Same Creditor) used for refinance not with Original Lender or Lender Affiliate Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form H-9 (Same Lender) form was used and should have been H-8 (New Lender) form. In order to cure rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required. <br>| Document Uploaded. | 4/21/2026 | Cure package provided to borrower; | 04/22/2026 | Borrower has stable job time - Borrower has 26.69 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.42% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 67.42% is less than Guideline LTV of 80% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 873 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,375.00) exceed the comparable charges ($2,054.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $115.60, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The 10% tolerance violation in the amount of $115.60 is due to increase from $329.00 to $650.00 for the Mortgage Recording Fee increasing on LE 03/27/2026. | Document Uploaded. | 4/20/2026 | Received corrected PCCD - exception resolved; Received corrected PCCD - exception resolved | 04/21/2026 | Borrower has stable job time - Borrower has 26.69 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.42% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 67.42% is less than Guideline LTV of 80% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 873 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date is required, but missing from the file. If borrower waived the 3 day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | Document Uploaded. | 4/17/2026 | Evidence of appraisal delivery provided. | 04/21/2026 | Borrower has stable job time - Borrower has 26.69 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.42% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 67.42% is less than Guideline LTV of 80% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 873 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated 03/04/2026, however missing proof of e-consent dated 03/04/2026 or before. | Document Uploaded. | 4/20/2026 | Evidence of eConsent is provided. The eSigned documents consent is missing.; The eSigned consent disclosure is missing. The eSigned documents consent is missing. | 04/21/2026 | Borrower has stable job time - Borrower has 26.69 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.42% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 67.42% is less than Guideline LTV of 80% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 873 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Document Uploaded. | 4/20/2026 | Required Affiliated Business Disclosure Documentation Provided. | 04/21/2026 | Borrower has stable job time - Borrower has 26.69 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.42% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 67.42% is less than Guideline LTV of 80% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 873 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/16/2026 | Borrower has stable job time - Borrower has 26.69 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.42% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 67.42% is less than Guideline LTV of 80% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 873 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/16/2026 | Borrower has stable job time - Borrower has 26.69 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 736 is greater than Guideline minimum FICO of 720.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.42% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 67.42% is less than Guideline LTV of 80% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 874 | XX |  | XX | XX | XX | XX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. | 4/20/2026 | Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; ; UCDP with score of 2.8. TPV required. ; Lender uploaded FNMA SSR | 04/21/2026 | Borrower has stable job time - Borrower has 2.99 years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 874 | XX |  | XX | XX | XX | XX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/17/2026 | Borrower has stable job time - Borrower has 2.99 years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 874 | XX |  | XX | XX | XX | XX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/17/2026 | Borrower has stable job time - Borrower has 2.99 years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 849 | XX |  | XX | XX | XX | XX | KY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/20/2026 | Borrower has stable job time - Borrower has 3.26 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 700. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 849 | XX |  | XX | XX | XX | XX | KY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/20/2026 | Borrower has stable job time - Borrower has 3.26 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 700. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 849 | XX |  | XX | XX | XX | XX | KY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/20/2026 | Borrower has stable job time - Borrower has 3.26 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 700. A | A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

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| Marketing ID | **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** | **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** |
| 852 | XX |  |  | XX | XX |  |  | XX | XX | 1004 | XX | 70.00% | 70.00% | XX | XX | 0.88% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.88% | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 853 | XX |  |  | XX | XX |  |  | XX | XX | 1004 | XX | 70.00% | 70.00% | XX | $0.00 | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 853 | XX |  |  | XX | XX |  |  | XX | XX | 1004 | XX | 70.00% | 70.00% | XX | $0.00 | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 851 | XX |  |  | XX | XX |  |  | XX | XX | 1004 | XX | 70.00% | 70.00% | XX | $0.00 | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 854 | XX |  |  | XX | XX |  |  | XX | XX | 1004 | XX | 70.00% | 70.00% | XX | $0.00 | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 865 | XX |  |  | XX | XX |  |  | XX | XX | 1073 | XX | 75.00% | 75.00% | XX | XX | 6.66% | AVM |  |  |  |  |  |  |  |  |  | XX | XX | 6.66% | 95% | 5% | XX |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 864 | XX |  |  | XX | XX | XX |  | XX | XX | 1073 | XX | 54.47% | 54.47% | XX | $0.00 | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 840 | XX |  |  | XX | XX | XX |  | XX | XX | 1004 | XX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 860 | XX |  |  | XX | XX |  |  | XX | XX | 1004 | XX | 65.72% | 65.72% | XX | XX | -8.70% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -8.70% | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 856 | XX |  |  | XX | XX | XX |  | XX | XX | 1004 | XX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 864 | XX |  |  | XX | XX | XX |  | XX | XX | 71A | XX | 75.00% | 75.00% | XX | XX | -4.64% | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -4.64% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 867 | XX |  |  | XX | XX |  |  | XX | XX | 1004 | XX | 67.44% | 67.44% | XX | XX | 16.37% | AVM |  |  |  |  |  |  |  |  |  | XX | XX | 16.37% | 91% | 9% | XX |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 857 | XX |  |  | XX | XX | XX |  | XX | XX | 1004 | XX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 870 | XX |  |  | XX | XX | XX |  | XX | XX | 1004 | XX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 841 | XX |  |  | XX | XX |  |  | XX | XX | 1025 | XX | 75.00% | 75.00% | XX | XX | -8.91% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -8.91% | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 844 | XX |  |  | XX | XX |  |  | XX | XX | 1073 | XX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 845 | XX |  |  | XX | XX |  |  | XX | XX | 1073 | XX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 838 | XX |  |  | XX | XX |  |  | XX | XX | 71A | XX | 60.00% | 60.00% | XX | $0.00 | 0.00% | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| Dropped Loan | XX |  |  | XX | XX |  |  | XX | XX | 1004 | XX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 866 | XX |  |  | XX | XX |  |  | XX | XX | 1004 URAR | XX | 56.75% | 56.75% | XX | XX | -28.97% | AVM |  |  |  |  |  |  |  |  |  | XX | XX | -28.97% | 8700% | 13% | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 861 | XX |  |  | XX | XX | XX |  | XX | XX | 1004 URAR | XX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 869 | XX |  |  | XX | XX |  |  | XX | XX | 1004 URAR | XX | 51.55% | 51.55% | XX | XX | 9.60% | AVM |  |  |  |  |  |  |  |  |  | XX | XX | 9.60% | 8600% | 14% | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 842 | XX |  |  | XX | XX | XX |  | XX | XX | 1073 Individual Condo Report | XX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 843 | XX |  |  | XX | XX |  |  | XX | XX | 1004 URAR | XX | 75.00% | 75.00% | XX | XX | 8.03% | AVM |  |  |  |  |  |  |  |  |  | XX | XX | 8.03% | 8200% | 18% | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 846 | XX |  |  | XX | XX |  |  | XX | XX | 1073 Individual Condo Report | XX | 78.87% | 78.87% | XX | $0.00 | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  | XX | XX | 2.08% | 8800% | 12% | XX | XX | XX | XX | $0.00 | 0.00% | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 847 | XX |  |  | XX | XX |  |  | XX | XX | 1025 Small Residential Income Report | XX | 32.34% | 32.34% | XX | $0.00 | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | XX 1004D |  |  | Not Eligible |  |  |
| 850 | XX |  |  | XX | XX |  |  | XX | XX | 1004 URAR | XX | 26.52% | 26.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 855 | XX |  |  | XX | XX |  |  | XX | XX | 1004 URAR | XX | 78.57% | 78.57% | XX | $0.00 | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 862 | XX |  |  | XX | XX |  |  | XX | XX | 1004 URAR | XX | 43.89% | 43.89% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 863 | XX |  |  | XX | XX | XX |  | XX | XX | 1004 URAR | XX | 80.00% | 80.00% |  |  |  |  |  |  |  |  | XX | XX | 1.75% | XX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 859 | XX |  |  | XX | XX |  |  | XX | XX | 1004 URAR | XX | 34.72% | 34.72% |  |  |  |  |  |  |  |  | XX | XX | 34.72% | XX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 872 | XX |  |  | XX | XX |  |  | XX | XX | 1004 URAR | XX | 80.00% | 80.00% | XX | XX | 3.11% | AVM |  |  |  |  |  |  |  |  |  | XX | XX | 3.11% | 9100% | 9% | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 848 | XX |  |  | XX | XX |  |  | XX | XX | 1004 URAR | XX | 78.75% | 78.75% | XX | $0.00 | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 871 | XX |  |  | XX | XX |  |  | XX | XX | 1004 URAR | XX | 80.00% | 80.00% | XX | XX | -0.10% | AVM |  |  |  |  |  |  |  |  |  | XX | XX | -0.10% | 9600% | 4% | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 864 | XX |  |  | XX | XX |  |  | XX | XX | 1004 URAR | XX | 75.00% | 75.00% | XX | XX | -8.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -8.00% | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 839 | XX |  |  | XX | XX |  |  | XX | XX | 1004 URAR | XX | 80.00% | 80.00% | XX | XX | -8.06% | AVM |  |  |  |  | XX | XX | 4.00% | XX | 1004 URAR | XX | XX | -8.06% | 8600% | 14% | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 868 | XX |  |  | XX | XX |  |  | XX | XX | 1004 URAR | XX | 74.19% | 74.19% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 873 | XX |  |  | XX | XX |  |  | XX | XX | 1004 URAR | XX | 67.42% | 67.42% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 874 | XX |  |  | XX | XX | XX |  | XX | XX | 1004 URAR | XX | 85.00% | 85.00% | XX | XX | 2.60% | AVM |  |  |  |  |  |  |  |  |  | XX | XX | 2.60% | 8900% | 11% | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 849 | XX |  |  | XX | XX |  |  | XX | XX | 1004 URAR | XX | 66.09% | 66.09% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 852 | XX |  | Co Borrower First Name | XX |  | co-borrower |
| 852 | XX |  | Co Borrower Last Name | XX |  | co-borrower |
| 852 | XX |  | Property Type | Townhouse | PUD | TOWNHOUSE PUD |
| 852 | XX |  | T & I Payment | $1100.28 | $1033.00 | $657.95 Tax + $80.33 Insurance + $362.00 HOA= $1,100.28 T&I |
| 853 | XX |  | Co Borrower First Name | XX | XX | XX |
| 853 | XX |  | Co Borrower Last Name | XX | XX | XX |
| 853 | XX |  | Property Type | Townhouse | PUD | TOWNHOUSE PUD |
| 853 | XX |  | T & I Payment | $1091.42 | $1013.00 | $649.09 Tax + $80.33 Insurance + $362.00 HOA= $1,091.42 T&I |
| 853 | XX |  | Co Borrower First Name | XX |  | XX |
| 853 | XX |  | Co Borrower Last Name | XX |  | XX |
| 853 | XX |  | T & I Payment | $1092.37 | $1014.00 | $650.04 Tax + $80.33 Insurance + $362.00 HOA= $1,092.37 T&I |
| 851 | XX |  | Co Borrower First Name | XX |  | XX |
| 851 | XX |  | Co Borrower Last Name | XX |  | XX |
| 851 | XX |  | Property Type | Townhouse | PUD | TOWNHOUSE PUD |
| 851 | XX |  | DSCR | 0.76 | 0.78 | $2,750.00 Rent / $3,632.76 PITIA = 0.76 DSCR |
| 851 | XX |  | T & I Payment | $1057.60 | $965.00 | $615.27 Tax + $80.33 Insurance = $1,057.60 T&I |
| 854 | XX |  | Qualifying FICO | 745 | 740 | FICO 745 |
| 854 | XX |  | DSCR | 1.10 | 1.00 | $1,700.00 Rent / $1,547.58 PITIA = 1.10 DSCR |
| 854 | XX |  | T & I Payment | $151.28 | $176.00 | $73.59 Insurance + $77.70 Tax = $151.28 T&I |
| 864 | XX |  | Qualifying FICO | 0 |  | Foreign National |
| 860 | XX |  | Co Borrower First Name | XX |  | co-borrower |
| 860 | XX |  | Co Borrower Last Name | XX |  | co-borrower |
| 860 | XX |  | Mo Pymt (P&I) | 521.98 | 223.61 | P&I is $521.98 |
| 860 | XX |  | T & I Payment | $256.16 | $262.00 | $132.83 Tax + $123.33 Ins.= $256.16 T&I |
| 856 | XX |  | DSCR | 1.05 | 1.00 | $2,600.00 Rents / $2,479.30 PITIA = 1.04DSCR |
| 856 | XX |  | T & I Payment | $684.23 | $529.00 | $515.39 Tax + $104.84 Ins. + $64.00 HOA= $684.23T&I |
| 864 | XX |  | First Pymt Date | XX | XX | First Payment date 5/XX/2026 |
| 864 | XX |  | Maturity Date | XX | XX | Maturity date 4/XX2056 |
| 857 | XX |  | Sales Price | XX | XX | sales price $XX |
| 857 | XX |  | DSCR | 1.12 | 1.00 | $2,000.00 Rents / $1,790.12 PITIA = 1.12 DSCR |
| 857 | XX |  | Mo Pymt (P&I) | 1370.14 | 1394.50 | P&I is $1,370.14 |
| 857 | XX |  | T & I Payment | $419.98 | $439.00 | $344.56 Tax + $75.42 Ins = $419.98 T&I |
| 857 | XX |  | First Pymt Date | XX | XX | 1st payment date is 5/XX/2026 |
| 857 | XX |  | Maturity Date | XX | XX | Maturity date is 4/XX/2056 |
| 838 | XX |  | Qualifying FICO | 781 | 737 | FICO 781 |
| 838 | XX |  | DSCR | 1.10 | 1.15 | $13,248.75 Rent / $12,009.70 PITIA = 1.10 DSCR |
| 866 | XX |  | Property County | XX | XX | The property is in XX |
| 866 | XX |  | ULI | XX | XX | The audited ULI of XX is correct. |
| 866 | XX |  | Qualifying Total Reserves Number of Months | 115.49 | 115.99 | Post closing assets equal 115.49 months reserves. |
| 866 | XX |  | Qualifying All Borrower Residual Income | 35557.78 | 37226.78 | There is no guideline residual income requirement for this transaction. |
| 861 | XX |  | Qualifying FICO | 758.00 | 750.00 |  |
| 861 | XX |  | Qualifying All Borrower Residual Income | 45258.69 | 51587.63 | Residual income is supported |
| 869 | XX |  | Qualifying Total Reserves Number of Months | 110.24 | 108.35 | Reserves updated as per Matrix |
| 869 | XX |  | Qualifying All Borrower Residual Income | 11529.05 | 11759.05 | Residual Income ($16,070.58-$4,541.53=$11,529.05) |
| 842 | XX |  | Property Value | XX | XX | Property Value-$XX |
| 842 | XX |  | Property Type | Condominium High Rise | Condominium | Property Type Condominium High Rise |
| 842 | XX |  | Qualifying Total Reserves Number of Months | 165.95 | 169.03 | Qualifying Total Reserves Number of Months-165.95 |
| 842 | XX |  | Qualifying All Borrower Residual Income | 429556.21 | 421809.54 | Qualifying All Borrower Residual Income-$371,544.57 |
| 843 | XX |  | Qualifying Total Reserves Number of Months | 18.04 | 20.50 | Verified assets using bank statements and cash proceeds |
| 843 | XX |  | Qualifying All Borrower Residual Income | 18039.84 | 19955.38 | Verified residual income using income and total expenses |
| 846 | XX |  | Verified Doc Type | Asset Depletion – Debt Ratio Calculation | Asset Depletion | Verified to Lock and loan approval |
| 846 | XX |  | Qualifying Total Reserves Number of Months | 8.51 | 39.01 | Verified to assets |
| 846 | XX |  | Qualifying All Borrower Residual Income | 11492.71 | 12809.70 | Based on verified income and total debts |
| 847 | XX |  | MIN No | XX | XX | Verified by the Mortgage. |
| 847 | XX |  | Property County | XX | XX | XX per Mortgage |
| 847 | XX |  | Application Date | XX | XX | Verified by the initial 1003. |
| 847 | XX |  | Qualifying All Borrower Residual Income | 9680.83 | 11613.57 | Income Less expenses |
| 850 | XX |  | Property Value | XX | XX | Confirmed with appraisal. |
| 850 | XX |  | Verified Doc Type | Asset Depletion – Debt Ratio Calculation | Asset Depletion | Confirmed with lock. |
| 850 | XX |  | Qualifying CLTV | 26.52 | 23.97 | Confirmed ratios with appraisal and loan amount. |
| 850 | XX |  | Qualifying LTV | XX | XX | Confirmed ratios with appraisal and loan amount. |
| 850 | XX |  | Qualifying All Borrower Residual Income | 14125.48 | 16500.99 | Confirmed residual income with 1008. |
| 855 | XX |  | Property Value | XX | XX | Verified from the Appraisal. |
| 855 | XX |  | Qualifying LTV | XX | XX | Verified from the Note and the Appraisal. |
| 855 | XX |  | Qualifying CLTV | 78.57 | 80.00 | Verified from Note, lowest UPB from Existing 1st Lien Mtg Stmt or CBR (which is n/a) and the Appraisal. |
| 855 | XX |  | Qualifying All Borrower Residual Income | 41079.29 | 42336.79 | Verified from the Lenders Guidelines against the qualifying BE DTI ratio and Compliance Report for HPML status. |
| 855 | XX |  | Qualifying FICO | 783 | 760 |  |
| 862 | XX |  | Qualifying All Borrower Residual Income | 14670.63 | 24376.12 | Qualifying All Borrower Residual Income-$14670.63 |
| 863 | XX |  | Sales Price | XX | XX | Per the 1008, final CD. Missing addendum with updated PP of $XX |
| 863 | XX |  | Qualifying LTV | XX | XX | $XX=80% |
| 863 | XX |  | Qualifying CLTV | 80.00 | 78.88 | $XX=80% |
| 863 | XX |  | Qualifying All Borrower Residual Income | 25599.55 | 30036.32 | $25,599.55 calculated residual income |
| 859 | XX |  | MIN No | XX | XX | Verified with the Security Instrument. |
| 859 | XX |  | Application Date | XX | XX | Verified with the initial 1003 and compliance report, |
| 859 | XX |  | Verified Doc Type | Asset Depletion – Debt Ratio Calculation | Asset Depletion | Verified with the approval. |
| 859 | XX |  | Qualifying FICO | 817.00 | 812.00 | Verified with the credit report - middle score of primary wage earner. |
| 859 | XX |  | Qualifying All Borrower Residual Income | 27312.39 | -4709.57 | Verified with the income and liabilities. |
| 872 | XX |  | Application Date | XX | XX | Verified from the initial application. |
| 872 | XX |  | Property Type | PUD | Single Family Detached | Verified from the Appraisal. |
| 872 | XX |  | Qualifying Total Reserves Number of Months | 27.55 | 21.98 | Verified from lender guides against available assets from last asset statement. |
| 872 | XX |  | Prepayment Penalty | Yes | No | Verified from Note. |
| 872 | XX |  | Qualifying All Borrower Residual Income | 134594.69 | 142407.11 | Verified from the lender guidelines, against BE DTI and Compliance Report for HPML status. |
| 848 | XX |  | Property Value | XX | XX | Property Value-Per appraisal $XX |
| 848 | XX |  | Verified Doc Type | 1YR Full Doc | 2YR Full Doc | one year verified |
| 848 | XX |  | Qualifying LTV | XX | XX | Qualifying CLTV- Appraised Value- $XX/Loan Amount-$XX= $78.75% |
| 848 | XX |  | Qualifying CLTV | 78.75 | 80.00 | Qualifying CLTV- Appraised Value- $XX/Loan Amount-$XX= $78.75% |
| 848 | XX |  | Qualifying All Borrower Residual Income | 2475.08 | 2814.36 | Qualifying All Borrower Residual Income-$2475.08 |
| 871 | XX |  | Qualifying Total Reserves Number of Months | 24.48 | 21.53 | Reserves calculated based on verified assets. |
| 871 | XX |  | ULI | XX | XX | Verified by the 1003. |
| 871 | XX |  | Qualifying All Borrower Residual Income | 19041.90 | 23991.90 | Residual income based on verified income and total debts. |
| 864 | XX |  | Property City | XX | XX | Review data is correct per note. |
| 864 | XX |  | MIN No | XX | XX | Review data is correct per deed of trust. |
| 864 | XX |  | Property County | XX | XX | Review data is correct per deed of trust. |
| 864 | XX |  | Property Value | XX | XX | Appears to be data mismatch. Appraisal matches review figure and the AVM matches lender. |
| 864 | XX |  | Qualifying All Borrower Residual Income | 25782.91 | 30349.10 | Review data is correct based on income and verified expenses. |
| 839 | XX |  | Qualifying Total Reserves Number of Months | 14.88 | 23.69 | Qualifying Total Reserves Number of Months confirmed using proceeds from cash-out. |
| 839 | XX |  | Qualifying All Borrower Residual Income | 420455.04 | 476341.71 | Income less expenses |
| 868 | XX |  | ULI | XX | XX | Verified to 1003 |
| 868 | XX |  | Application Date | XX | XX | Verified to LO signature initial 1003 |
| 868 | XX |  | Qualifying Total Reserves Number of Months | 13.91 | 14.47 | Verified to cash out |
| 868 | XX |  | Qualifying All Borrower Residual Income | 5635.05 | 7124.36 | Based on verified income and total debts |
| 873 | XX |  | Application Date | XX | XX | Confirmed on earliest dated 1003. |
| 873 | XX |  | ULI | XX | XX | Confirmed on 1003 in file. |
| 873 | XX |  | Qualifying Total Reserves Number of Months | 15.16 | 16.19 | Confirmed using cash back at closing. |
| 873 | XX |  | Qualifying All Borrower Residual Income | 11839.89 | 13116.89 | Confirmed after verified income and debts including subject PITIA. |
| 874 | XX |  | ULI | XX | XX | 1003 pg.191 shows true data is correct |
| 874 | XX |  | Application Date | XX | XX | Initial 1003 pg.1 |
| 874 | XX |  | Property Value | XX | XX | value vs. sales price |
| 874 | XX |  | Property Type | Single Family Detached | PUD |  |
| 874 | XX |  | Qualifying Total Reserves Number of Months | 159.86 | 143.26 | Verified assets statements on file |
| 874 | XX |  | Qualifying All Borrower Residual Income | 9839.73 | 14450.28 | Minimum residual 1500 |
| 849 | XX |  | Qualifying FICO | 767 | 766 |  |
| 849 | XX |  | Qualifying All Borrower Residual Income | 1565.07 | 1578.18 | Based on verified income and total debts |

---

## Exhibit 99.7

**Exhibit 99.7**

![](ex99-7_001.jpg)

**EXECUTIVE SUMMARY**

**NRMLT 2026-NQM8**

**By Clarifii LLC on June 17, 2026**

NRMLT 2026-NQM8 DUE DILIGENCE NARRATIVE REPORT – PagE \| 1

![](ex99-7_001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 33 Loan (the "Loans") originated by a correspondent lender and acquired by Rithm Capital, LLC. (the "Clients") for the NRMLT 2026-NQM8 transaction. The loan referenced in this narrative report was reviewed between 01/2026 and 06/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.03% | &nbsp;&nbsp;$160000.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.03% | &nbsp;&nbsp;$318200.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;31 | &nbsp;&nbsp;93.94% | &nbsp;&nbsp;$23265662.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23743862.00** |

---

The Review consisted of a population of 33 Loan, with an aggregate principal balance of $23,743,862.00.

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

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

**LOAN SAMPLING**

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |

---

NRMLT 2026-NQM8 DUE DILIGENCE NARRATIVE REPORT – PagE \| 2

![](ex99-7_001.jpg)

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |

---

NRMLT 2026-NQM8 DUE DILIGENCE NARRATIVE REPORT – PagE \| 3

![](ex99-7_001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

NRMLT 2026-NQM8 DUE DILIGENCE NARRATIVE REPORT – PagE \| 4

![](ex99-7_001.jpg)

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

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

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

- Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower name variations

- Occupancy

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

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

- Employment

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

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

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

OFAC

NRMLT 2026-NQM8 DUE DILIGENCE NARRATIVE REPORT – PagE \| 5

![](ex99-7_001.jpg)

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

NRMLT 2026-NQM8 DUE DILIGENCE NARRATIVE REPORT – PagE \| 6

![](ex99-7_001.jpg)

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

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

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

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

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

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

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

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

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

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

NRMLT 2026-NQM8 DUE DILIGENCE NARRATIVE REPORT – PagE \| 7

![](ex99-7_001.jpg)

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

NRMLT 2026-NQM8 DUE DILIGENCE NARRATIVE REPORT – PagE \| 8

![](ex99-7_001.jpg)

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

NRMLT 2026-NQM8 DUE DILIGENCE NARRATIVE REPORT – PagE \| 9

![](ex99-7_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

- Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· **Business Purpose Loan Compliance Review** 

- Non-Owner Occupied Declaration Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify reflects correct address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify application address is different from
subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify executed by all borrowers

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

- Occupancy Letter (must state that borrower(s) will not reside in the property

- HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

- If property is in a flood zone, Flood Notice must be provided prior to closing

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the Loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

With respect to QM (Safe Harbor and Rebuttable Presumption) designated Loans, Clarifii reviewed the Loan to determine whether, based on available information in the Loan file, (i) the Loan contained risky Loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceeded the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor

appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeded 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review included a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

NRMLT 2026-NQM8 DUE DILIGENCE NARRATIVE REPORT – PagE \| 11

![](ex99-7_001.jpg)

If a Loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency, as permitted under the QM final rule, Clarifii reviewed the Loan to determine whether, based on available information in the Loan file the Loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviewed the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated Loan that satisfied the applicable requirements enumerated above, Clarifii then determined whether the Loan was a Safe Harbor QM or Rebuttable Presumption QM by comparing the Loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

**ABILITY TO REPAY (ATR)**

Clarifii reviewed the Loan to determine whether, based on available information in the Loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous Loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focused on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

*Note: for Loans designated as QM – Agency eligible (QM – Temporary), Clarifii did not review for compliance with the requirements of Appendix Q or General Ability to Repay.*

Clarifii reviewed Loans to determine their conformity with the ATR/QM factors above, and did not render an independent assessment or opinion, warranty or represent that a Loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR, or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative, or judicial authorities (Authorities). Clarifii does not represent or warrant that the factors for which it has reviewed that the Loans constitute all the factors and/or criteria that Authorities may consider in determining the status of a Loan.

Clarifii's review was based on information contained in the Loan file at the time it was provided for review.

**VALUATION REVIEW**

Clarifii reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, comparable sales, completeness of data and eligibility of the appraiser, compared to underwriting guidelines, variances, and tolerances. Clarifii determined that the appraised value appeared to be supported, based on the valuation provided by the Independent Third-party Review.

&nbsp;&nbsp;&nbsp;&nbsp;· **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

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&nbsp;&nbsp;&nbsp;&nbsp;· **Uniform Standards of Professional Appraisal Practice (USPAP)** Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

Clarifii applied a cascade methodology to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

**Valuation Reconciliation Process:**

&nbsp;&nbsp;&nbsp;&nbsp;· If the AVM (Automated Valuation Model) supported the origination appraised
value within -10% variance, no additional products were required.

&nbsp;&nbsp;&nbsp;&nbsp;· If the Desk Review supported the origination appraised value
within a -10% variance, no additional products were required.

&nbsp;&nbsp;&nbsp;&nbsp;· In the event the Desk Review process yielded material exceptions
or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish the supported value,
unless guidelines allowed for the use of the lower Desk Review or Broker Price Opinion value for purpose of LTV/CLTV/HCLTV.

**Uniform Collateral Data Portal (UCDP) Risk Score:**

&nbsp;&nbsp;&nbsp;&nbsp;· For Loans with a Fannie Mae Collateral Underwriter Score (CU),
if an CU Score was available and the CU Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered by Clarifii.
If the CU Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

&nbsp;&nbsp;&nbsp;&nbsp;· For Loans with a Freddie Mac Loan Collateral Advisor Score
(LCA), if an LCA Score was available and the LCA Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered
by Clarifii. If the LCA Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP
Risk Score.

**VALUATION RESULTS SUMMARY**

The table below summarizes the Loans that contained independent third-party valuation product as well as Loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;CU/LCA Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

NRMLT 2026-NQM8 DUE DILIGENCE NARRATIVE REPORT – PagE \| 13

**DUE DILIGENCE GRADING CRITERIA** 

Upon completion of the Loan file due diligence review, Clarifii assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, clients, and rating agency requirements.

The National Recognized Statistical Rating Organizations (NRSRO) criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Asset-Backed Securities Form ABS Due Diligence-15E.

**Final Event Grade**

---

| | |
|:---|:---|
| **A** | Loan meets Credit, Compliance, and Valuation Guidelines. |
| **B** | The Loan materially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and materially meets published guidelines. |
| **C** | The Loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| **D** | Loan is missing documentation to perform a sufficient review. |

---

**Credit Event Grade**

---

| | |
|:---|:---|
| **A** | The Loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the Loan is documented and reasonable. |
| **B** | The Loan materially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the Loan is documented and reasonable. |
| **C** | The Loan does not materially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets, or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the Loan were not documented or are unreasonable. |
| **D** | There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

**Valuation Event Grade**

---

| | |
|:---|:---|
| **A** | The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used Government-Sponsored Enterprise (GSE) approved forms. |
| **B** | The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |

---

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**C** The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms.

**D** The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

**Compliance Event Grade** 

---

| | |
|:---|:---|
| **A** | The Loan is compliant with all applicable laws and regulations. The legal documents accurately reflect the agreed upon Loan terms and are executed by all applicable parties. |
| **B** | The Loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon Loan terms and are executed by all applicable parties. Client review required. |
| **C** | The Loan violates one material law or regulation. The material disclosures are missing, or the legal documents do not accurately reflect the agreed upon Loan terms or all required applicants did not execute the documents. |
| **D** | There was not sufficient documentation to perform a review, or the required legal documents were not furnished. |

---

**CLARIFII DUE DILIGENCE RESULTS**

Below are the final overall Loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &nbsp;&nbsp;75.76% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;24.24% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**100.00%** |

---

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

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![](ex99-7_001.jpg)

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;30 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**+Property Grade Summary** | &nbsp;&nbsp;**+Property Grade Summary** | &nbsp;&nbsp;**+Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;28 | &nbsp;&nbsp;84.85% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;15.15% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$23743862.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23743862.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;15 | &nbsp;&nbsp;45.45% | &nbsp;&nbsp;$14934192.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;18 | &nbsp;&nbsp;54.55% | &nbsp;&nbsp;$8809670.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23743862.00** |

---

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**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;17 | &nbsp;&nbsp;51.52% | &nbsp;&nbsp;$11789642.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;16 | &nbsp;&nbsp;48.48% | &nbsp;&nbsp;$11954220.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23743862.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$23743862.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23743862.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$23743862.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$23743862.00** |

---

**DATA COMPARE RESULTS**

Clarifii provided Clients with a copy of the Loan Level Data Compare Report which shows the differences between the data received by the sellers versus the data captured by Clarifii during the Loan review.

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;33 | &nbsp;&nbsp;81.82% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;33 | &nbsp;&nbsp;93.94% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;33 | &nbsp;&nbsp;93.94% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;33 | &nbsp;&nbsp;72.73% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |

---

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![](ex99-7_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;27 | &nbsp;&nbsp;33 | &nbsp;&nbsp;18.18% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;33 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;33 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;33 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;33 | &nbsp;&nbsp;84.85% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;33 | &nbsp;&nbsp;78.79% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report/Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Rating Agency Grade Detail and Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Rating Agency ATR/QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplement Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Business Purpose Supplement Data Extract Report

NRMLT 2026-NQM8 DUE DILIGENCE NARRATIVE REPORT – PagE \| 18

![](ex99-7_001.jpg)

**Disclaimer**

*Clarifii LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).*

 

*Please be advised that Clarifii has not determined whether the Loans comply with federal, state, or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clarifii's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clarifii's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. The findings reached by Clarifii are dependent upon its receiving complete and accurate data regarding the Loans from Loan originators and other third parties. Please be further advised that Clarifii and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clarifii do not constitute legal advice or opinions.*

 

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared, and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.*

 

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.*

 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2026 Clarifii LLC. All rights reserved.

NRMLT 2026-NQM8 DUE DILIGENCE NARRATIVE REPORT – PagE \| 19

## Exhibit 99.7

**Exhibit 99.7 Schedule 1**

---

| | | | | |
|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 172 | XX |  | XX | XX C A |
| 169 | XX |  | XX | XX C A |
| 170 | XX |  | XX | XX A |
| 167 | XX |  | XX | XX C A |
| 199 | XX |  | XX | XX C A |
| 173 | XX |  | XX | XX D C A |
| 174 | XX |  | XX | XX C A |
| 171 | XX |  | XX | XX D C A |
| 191 | XX |  | XX | XX C A |
| 180 | XX |  | XX | XX D A B |
| 193 | XX |  | XX | XX C B A |
| 187 | XX |  | XX | XX C A |
| 178 | XX |  | XX | XX C A |
| 194 | XX |  | XX | XX D A |
| 192 | XX |  | XX | XX D A |
| 177 | XX |  | XX | XX D A B |
| 198 | XX |  | XX | XX D A |
| 182 | XX |  | XX | XX D A |
| 197 | XX |  | XX | XX D A |
| 183 | XX |  | XX | XX D A |
| 188 | XX |  | XX | XX C A B |
| 181 | XX |  | XX | XX D A |
| 184 | XX |  | XX | XX C A B |
| 168 | XX |  | XX | XX C A |
| 189 | XX |  | XX | XX D A |
| 179 | XX |  | XX | XX C A B |
| 196 | XX |  | XX | XX C A |
| 176 | XX |  | XX | XX C A B |
| 190 | XX |  | XX | XX D C A B |
| 175 | XX |  | XX | XX D A |
| 185 | XX |  | XX | XX A C |
| 195 | XX |  | XX | XX A |
| 186 | XX |  | XX | XX D A |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **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?** |
| 172 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19618.66 | Yes | Employed |  | No |  | Yes | Present |
| 169 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 170 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 167 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 63385.08 | Yes | Employed |  | No |  | Yes | Present |
| 199 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 173 | XX |  | XX | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 13475 | 8.917 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 23849.8 | Yes | Employed |  | No |  | No |  |
| 174 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25655 | 7.015 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 62700.19 | Yes | Employed |  | No |  | No |  |
| 171 | XX |  | XX | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 35675 | 8.794 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 92822.92 | Yes | Employed | Employed | No | No | No |  |
| 191 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 180 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 33208.73 | Yes | Employed |  | No |  | Yes | Present |
| 193 | XX |  | XX | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 8625 | 6.543 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30853.35 | Yes | Not Employed | Not Employed | No | No | No |  |
| 187 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7995 | 7.219 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44688.11 | Yes | Employed |  | No |  | No |  |
| 178 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 194 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 20632.23 | Yes | Employed |  | No |  | Yes | Present |
| 192 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | Yes | 6844.92 | Yes | Employed |  | No |  | Yes | Present |
| 177 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 198 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23870 | 6.569 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 68692.44 | Yes | Employed |  | No |  | No |  |
| 182 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 3257.83 | Yes | Employed |  | No |  | Yes | Present |
| 197 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 183 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 77615.93 | Yes | Employed |  | No |  | Yes | Present |
| 188 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 18725 | 6.808 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13898.96 | Yes | Employed | Not Employed | No | No | No |  |
| 181 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 184 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15775 | 7.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33620.77 | Yes | Not Employed | Employed | No | No | No |  |
| 168 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 189 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13475 | 6.819 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22422.65 | Yes | Employed |  | No |  | No |  |
| 179 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1475 | 7.008 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 67404.48 | Yes | Employed | Employed | No | No | No |  |
| 196 | XX |  | XX | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 18745 | 6.44 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 177853.53 | Yes | Employed |  | No |  | No |  |
| 176 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 190 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 29696 | 7.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36668.69 | Yes | Employed |  | No |  | No |  |
| 175 | XX |  | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 185 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12075 | 6.781 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24819.04 | Yes | Employed |  | No |  | No |  |
| 195 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13475 | 6.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8516.84 | Yes | Employed |  | No |  | No |  |
| 186 | XX |  | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1475 | 6.798 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16414.12 | Yes | Employed | Not Employed | No | No | No |  |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 172 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | .0197 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | .0197 | 95.0 | 0.05 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 169 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XX | XX | -.1567 | 87.0 | 0.13 | XX | XX | XX | XX | 0.0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 170 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 65.19 | 65.19 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 |
| 167 | XX |  | XX | XX | XX | 0 | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-23-2025 |
| 199 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 79.55 | 79.55 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 173 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-10-2026 | Eligible |  |  |
| 174 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-08-2026 | Eligible |  |  |
| 171 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 12-26-2025 |
| 191 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 79.49 | 79.49 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-20-2026 | Eligible | 1 | 03-20-2026 |
| 180 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 03-10-2026 |
| 193 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 74.48 | 74.48 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-20-2026 | Eligible |  |  |
| 187 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 03-20-2026 |
| 178 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 51.61 | 51.61 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-05-2026 | Eligible | 1 | 03-05-2026 |
| 194 | XX |  | XX | XX | XX | 0 | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-25-2026 |
| 192 | XX |  | XX | XX | XX | 0 | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | XX | -.0288 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | -.0288 | 93.0 | 0.07 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-24-2026 | Not Eligible |  |  |
| 177 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-20-2026 |
| 198 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 04-07-2026 | Not Eligible | 1.7 | 04-07-2026 |
| 182 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-16-2026 | Eligible | 1.3 | 03-16-2026 |
| 197 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 183 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 79.88 | 79.88 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-10-2026 | Eligible |  |  |
| 188 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 49.7 | 49.7 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2026 | Eligible | 1.5 | 04-07-2026 |
| 181 | XX |  | XX | XX | XX | 0 | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 03-27-2026 |
| 184 | XX |  | XX | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.97 | 70.97 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-26-2026 |
| 168 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | .0090 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | .0090 | 90.0 | 0.1 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 01-09-2026 |
| 189 | XX |  | XX | XX | XX |  | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 76.74 | 76.74 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2026 | Eligible | 1 | 03-26-2026 |
| 179 | XX |  | XX | XX | XX |  | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 78.06 | 78.06 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 03-28-2026 |
| 196 | XX |  | XX | XX | XX |  | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 49.84 | 49.84 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-09-2026 | Eligible | 1 | 04-09-2026 |
| 176 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-26-2026 |
| 190 | XX |  | XX | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 50.85 | 50.85 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 03-30-2026 |
| 175 | XX |  | XX | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-30-2026 |
| 185 | XX |  | XX | XX | XX |  | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-23-2026 | Eligible | 1.9 | 03-23-2026 |
| 195 | XX |  | XX | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-30-2026 | Eligible |  |  |
| 186 | XX |  | XX | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-23-2026 | Eligible | 1 | 03-23-2026 |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 172 | XX |  | XX | XX | Note Date | notePage | XX | XX | pr Note |
| 172 | XX |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | 2 Unit per Appraisal |
| 169 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 169 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Per Initial Loan App |
| 169 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per Final CD |
| 170 | XX |  | XX | XX | Property Address | notePage | XX | XX | per executed note |
| 170 | XX |  | XX | XX | Note Date | notePage | XX | XX | per executed note |
| 170 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | per initial 1003 |
| 170 | XX |  | XX | XX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per appraisal |
| 170 | XX |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 361.64 | DSCR Loan |
| 167 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 167 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per Final CD |
| 199 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per note |
| 199 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Per initial application |
| 199 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per final CD |
| 199 | XX |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| 173 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 173 | XX |  | XX | XX | Cash Disbursement Date | finalCdDetailPage | XX | XX | Per Final CD |
| 174 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 171 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per note |
| 171 | XX |  | XX | XX | Cash Disbursement Date | finalCdDetailPage | XX | XX | per final cd |
| 191 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 191 | XX |  | XX | XX | Calculated DSCR | diligenceFinalLookPage | 1.017 | 1.118 | Audit matches 1008 |
| 180 | XX |  | XX | XX | Note Date | notePage | XX | XX | per executed note |
| 180 | XX |  | XX | XX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Appraisal and Condo Questionnaire |
| 180 | XX |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.07 | 39.18 | REO was not properly included into DTI |
| 193 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 187 | XX |  | XX | XX | Borrower 1 Last Name | notePage | XX | XX | Per Note |
| 178 | XX |  | XX | XX | Note Date | notePage | XX | XX | Note |
| 178 | XX |  | XX | XX | Property Type | propertyValuationPage | Townhouse | PUD | Appraisal |
| 178 | XX |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 586.89 | DSCR, no DTI |
| 194 | XX |  | XX | XX | Note Date | notePage | XX | XX | per note |
| 192 | XX |  | XX | XX | Note Date | notePage | XX | XX | per note |
| 177 | XX |  | XX | XX | Note Date | notePage | XX | XX | PER FINAL PROM NOTE DATE. |
| 177 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | PER INITIAL 1003 BORR SIGN DATE. |
| 182 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 182 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per Final CD |
| 197 | XX |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 197 | XX |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1289.88 | DSCR, no DTI |
| 183 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per note |
| 188 | XX |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.11 | 41.24 | Lender did not hit borrowers with rent loss for 3b. |
| 181 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 181 | XX |  | XX | XX | Property County | deedOfTrustPage | XX | XX | Per Deed of Trust |
| 181 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | Per Initial 1003 |
| 181 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per Final CD |
| 181 | XX |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2228.20 | DSCR |
| 184 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 168 | XX |  | XX | XX | Note Date | notePage | XX | XX | per executed note |
| 168 | XX |  | XX | XX | Application Date | complianceDetailPage | XX | XX | per initial 1003 |
| 168 | XX |  | XX | XX | Calculated DSCR | diligenceFinalLookPage | 0.902 | 1.083 | Due to Audit used market rent |
| 168 | XX |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 433.54 | DCSR loan |
| 189 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 189 | XX |  | XX | XX | Cash Disbursement Date | finalCdDetailPage | XX | XX | Per Final CD |
| 196 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per executed Note in file |
| 176 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 175 | XX |  | XX | XX | Prepayment Penalty Total Term | notePage | 24 | 5 Year | Per Note |
| 175 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 175 | XX |  | XX | XX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX | XX | Per Final CD |
| 185 | XX |  | XX | XX | Borrower 1 Last Name | notePage | XX | XX | Per Note |
| 185 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per Note |
| 195 | XX |  | XX | XX | Note Date | notePage | XX | XX | Per note |
| 186 | XX |  | XX | XX | Note Date | notePage | XX | XX | PER NOTE DATE. |

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## Exhibit 99.7

**Exhibit 99.7 Schedule 5**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 172 | XX |  | XX C A | Closed | FCRE1206 | 2026-01-28 10:41 | 2026-01-30 16:09 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received final fraud report reflecting all parties searched. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/28/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Fraud Report reflects the Sellers were not checked against Exclusionary Lists - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/28/2026<br>| Resolved-Received final fraud report reflecting all parties searched. - Due Diligence Vendor-01/30/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 760 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | MA | Investment | Purchase | NA | N/A | N/A | XX |
| 172 | XX |  | XX C A | Closed | FCRE1205 | 2026-01-28 10:41 | 2026-01-30 16:09 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received final fraud report reflecting all parties searched. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Please refer to uploaded documents in related finding. - Seller-01/28/2026 <br>Open-OFAC Check Not Completed and/or Cleared Fraud Report reflects the Sellers were not checked against OFAC - Due Diligence Vendor-01/28/2026 | Ready for Review-Please refer to uploaded documents in related finding. - Seller-01/28/2026<br>| Resolved-Received final fraud report reflecting all parties searched. - Due Diligence Vendor-01/30/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 760 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | MA | Investment | Purchase | NA | N/A | N/A | XX |
| 169 | XX |  | XX C A | Closed | FCRE1206 | 2026-01-30 14:58 | 2026-02-03 17:19 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/30/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser and closing attorney to be added to the loan participant list. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/30/2026<br>| Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/03/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8. Borrower has 1.062. Required is 0.8 Borrower has 1.062<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program. Required is 700 Borrower has 771 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 169 | XX |  | XX C A | Closed | FCRE8201 | 2026-01-30 15:11 | 2026-02-03 17:17 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Upon further review, DSCR is > 1. Borrower meets the Interest Only Guideline requirements. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Interest Only is allowed. Please see attached applicable Matrix. - Seller-01/30/2026 <br>Open-The guidelines state interest only loans are not permitted. The subject loan closed with an interest only period of 10 years. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. Interest Only is allowed. Please see attached applicable Matrix. - Seller-01/30/2026<br>| Resolved-Upon further review, DSCR is > 1. Borrower meets the Interest Only Guideline requirements. - Due Diligence Vendor-02/03/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8. Borrower has 1.062. Required is 0.8 Borrower has 1.062<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program. Required is 700 Borrower has 771 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 170 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 167 | XX |  | XX C A | Closed | FCRE1304 | 2026-03-04 12:34 | 2026-03-17 15:14 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Resolved-Guides do not require LOE for negative balance only be considered. Neg balance was isolated and most recent 6 months stable to increasing deposits. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Please see updated income calc based on the documentation which was provided for qualifying. The borrower opened a new account in 02/2025 which was to be used for qualifying. The borrower did have a negative balance at the end of the first month from getting everything balanced while the transition occurred. Please see statements from 02/2025 - 10/2025 for account 2970 and 11/01/2024 - 01/2025 to accumulate the 12 months bank statements required. We note that both accounts were opened simultaneously; however, account XX was not included in the income calculation beginning 02/2025 when the new account was opened. Can this please be cleared as the combination of the 2 accounts supports a higher income and would show there was sufficient funds in other accounts that would be sufficient to offset the negative balances. - Seller-03/16/2026 <br> Counter-When performing the look back on 12 months bank statements, most recent 3 months are stable. Provide LOX for Negative Balance of $22357.73 reflected in the xx June statement #XX - Due Diligence Vendor-03/11/2026 <br> Ready for Review-The income for Account XX was re-reviewed and properly analyzed. While June 2025 reflected a temporary decline and a negative ending balance of ($22,357.73), this was isolated to a single month and does not represent an ongoing trend.<br>Subsequent months demonstrate clear stabilization and growth in deposit activity: June $24,000, July $31,000, August $33,000, and September $54,000. Income was averaged in accordance with guideline 7.1.3 and reflects stabilized income levels.<br>Because the negative balance was limited to one month and the income trend has since recovered and stabilized, the documentation already in the file sufficiently supports the income analysis. A borrower LOX would not provide additional material information. Please review and clear this condition. - Seller-03/10/2026 <br> Counter-Provide LOX from borrower regarding declining income (negative balance in June 2025) - Due Diligence Vendor-03/06/2026 <br> Ready for Review-The income for Account XX was re-reviewed.<br>While income reflected a temporary decline through June 2025, deposits have increased consistently since that time, demonstrating stabilization and recovery:<br>June: $24,000 in deposits<br>July: $31,000 in deposits<br>August: $33,000 in deposits<br>September: $54,000 in deposits<br>Although June 2025 reflected a negative ending balance of ($22,357.73), this was limited to one month and does not represent an ongoing trend. Subsequent months show positive cash flow and increasing deposit activity.<br>Income was averaged in accordance with guideline requirements. The single month negative balance, though not specifically addressed, is permissible and meets guideline 7.1.3.<br>Income is no longer declining and has stabilized. Please clear this condition. - Seller-03/04/2026 <br> Open-Income 1 Income Trend is Decreasing \*New\* Re-reviewed income using account XX. Income reflect decreasing over the past 12 months. June 2025 has a negative $22,357.73 closing balance with no explanation. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Please see updated income calc based on the documentation which was provided for qualifying. The borrower opened a new account in 02/2025 which was to be used for qualifying. The borrower did have a negative balance at the end of the first month from getting everything balanced while the transition occurred. Please see statements from 02/2025 - 10/2025 for account XX and 11/01/2024 - 01/2025 to accumulate the 12 months bank statements required. We note that both accounts were opened simultaneously; however, account XX was not included in the income calculation beginning 02/2025 when the new account was opened. Can this please be cleared as the combination of the 2 accounts supports a higher income and would show there was sufficient funds in other accounts that would be sufficient to offset the negative balances. - Seller-03/16/2026 <br> Ready for Review-The income for Account XX was re-reviewed and properly analyzed. While June 2025 reflected a temporary decline and a negative ending balance of ($22,357.73), this was isolated to a single month and does not represent an ongoing trend.<br>Subsequent months demonstrate clear stabilization and growth in deposit activity: June $24,000, July $31,000, August $33,000, and September $54,000. Income was averaged in accordance with guideline 7.1.3 and reflects stabilized income levels.<br>Because the negative balance was limited to one month and the income trend has since recovered and stabilized, the documentation already in the file sufficiently supports the income analysis. A borrower LOX would not provide additional material information. Please review and clear this condition. - Seller-03/10/2026 <br> Ready for Review-The income for Account XX was re-reviewed.<br>While income reflected a temporary decline through June 2025, deposits have increased consistently since that time, demonstrating stabilization and recovery:<br>June: $24,000 in deposits<br>July: $31,000 in deposits<br>August: $33,000 in deposits<br>September: $54,000 in deposits<br>Although June 2025 reflected a negative ending balance of ($22,357.73), this was limited to one month and does not represent an ongoing trend. Subsequent months show positive cash flow and increasing deposit activity.<br>Income was averaged in accordance with guideline requirements. The single month negative balance, though not specifically addressed, is permissible and meets guideline 7.1.3.<br>Income is no longer declining and has stabilized. Please clear this condition. - Seller-03/04/2026 | Resolved-Guides do not require LOE for negative balance only be considered. Neg balance was isolated and most recent 6 months stable to increasing deposits. - Due Diligence Vendor-03/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 745<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.87 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 167 | XX |  | XX C A | Closed | FCRE1437 | 2026-02-03 13:35 | 2026-03-04 12:34 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Recalculated income using account XX - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see attached PC XX. Your finding that business bank statements may not exceed 60 days from the Note date and an updated bank statement analysis is required does not aligned with the applicable guideline. Per Guide Section 7.1.1:<br> "Most recent statement must be dated within 60 days of the application date."<br> This is a 12-month bank statement program. The business bank statements provided cover the period 10/01/2024 through 09/30/2025. The application date is 11/06/2025.<br> The most recent bank statement dated 09/30/2025 is within 60 days of the application date (11/XX/2025), thereby meeting the guideline requirement. There is no guide requirement stating that business bank statements must be within 60 days of the Note date.<br> Additionally:<br> • The full 12-month bank statement history was provided as required by the program.<br> • Income was calculated using the complete 12-month period.<br> • The documentation complies with Section 7.1.1 of the guide.<br> Based on the above, this finding appears to be invalid and unsupported by the published guideline. We respectfully request that this condition be cleared.<br> - Seller-03/03/2026 <br> Counter-Received CPA letter for Responsible Liquor DBA. Missing correct 1003 reflecting name, address and income considered for business XX. Business bank statements may not exceed 60 days of Note date. Updated bank statement analysis required. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. Please see attached CPA Letter confirming our borrower is 100% owner of XX Please clear this finding. - Seller-02/26/2026 <br> Counter-Please provide 3rd party verification the businesses are one in the same. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-XX is an acronym for XX. There are multiple transfers from XX to XX. These businesses are one and same, just an acronym for one account. Please clear this finding. - Seller-02/20/2026 <br> Counter-Subject loan was submitted with bank statements for account XX and business XX which matches 1003 and CPA letter. The bank statement worksheet in file is for XX. This business is not on the 1003 submitted and there is no CPA letter to confirm business and ownership therefore is not being used for the income calculation. \*\*\*To use bank statements XX for income, provide a corrected 1003 and CPA letter for this business. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Please see attached income calculation worksheet calculator that was uploaded in your system. Please clear this finding. - Seller-02/14/2026 <br> Counter-Per the 1003, bank statement work sheet in file and bank statement provided, Income used for qualification is for XX account XX. Worksheet for XX (Invisible Liquor) or bank Statements for XX was not provided with the loan file. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. This loan is under a 12-Month Business Bank Statement Program.<br> The income calculation was derived exclusively from Business Bank Account ending in XX, as reflected in the income calculation worksheet provided in the file. Bank Account ending in XX was not used in the income analysis and is not part of the qualifying income documentation.<br> Since Account XX was not utilized to calculate qualifying income, statements for January 1 – January 31 for that account are not required under the program guidelines.<br> Please refer to the attached income calculation worksheet confirming that only Account XX was used for qualifying income. <br> Accordingly, this finding is not applicable and should be cleared.<br> - Seller-02/12/2026 <br> Counter-Received statements from XX. Missing Jan 1-Jan 31 for XX - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Please see attached 12 months bank statements from 10-2024 to 9-2025 from XXunder XX. Please clear this finding. - Seller-02/10/2026 <br> Open-Income and Employment Do Not Meet Guidelines Provide missing business bank statement dated 1.01.25 - 1.31.25. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Please see attached PC 1003. Your finding that business bank statements may not exceed 60 days from the Note date and an updated bank statement analysis is required does not aligned with the applicable guideline. Per Guide Section 7.1.1:<br> "Most recent statement must be dated within 60 days of the application date."<br> This is a 12-month bank statement program. The business bank statements provided cover the period 10/01/2024 through 09/30/2025. The application date is 11/XX/2025.<br> The most recent bank statement dated 09/30/2025 is within 60 days of the application date (11/XX/2025), thereby meeting the guideline requirement. There is no guide requirement stating that business bank statements must be within 60 days of the Note date.<br> Additionally:<br> • The full 12-month bank statement history was provided as required by the program.<br> • Income was calculated using the complete 12-month period.<br> • The documentation complies with Section 7.1.1 of the guide.<br> Based on the above, this finding appears to be invalid and unsupported by the published guideline. We respectfully request that this condition be cleared.<br> - Seller-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached CPA Letter confirming our borrower is 100% owner of XX. Please clear this finding. - Seller-02/26/2026 <br> Ready for Review-XX is an acronym for XX. There are multiple transfers fromXX to 7XX. These businesses are one and same, just an acronym for one account. Please clear this finding. - Seller-02/20/2026 <br> Ready for Review-Document Uploaded. Please see attached income calculation worksheet calculator that was uploaded in your system. Please clear this finding. - Seller-02/14/2026 <br> Ready for Review-Document Uploaded. This loan is under a 12-Month Business Bank Statement Program.<br> The income calculation was derived exclusively from Business Bank Account ending in XX, as reflected in the income calculation worksheet provided in the file. Bank Account ending in XX was not used in the income analysis and is not part of the qualifying income documentation.<br> Since Account X was not utilized to calculate qualifying income, statements for January 1 – January 31 for that account are not required under the program guidelines.<br> Please refer to the attached income calculation worksheet confirming that only Account XX was used for qualifying income. <br> Accordingly, this finding is not applicable and should be cleared.<br> - Seller-02/12/2026 <br> Ready for Review-Document Uploaded. Please see attached 12 months bank statements from 10-2024 to 9-2025 from XX Bus Bank Acct No XX under XX. Please clear this finding. - Seller-02/10/2026 | Resolved-Recalculated income using account XX - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 745<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.87 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 167 | XX |  | XX C A | Closed | FCRE1440 | 2026-02-03 13:34 | 2026-02-13 16:03 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, payment history has been provided. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-This loan is a Non-QM construction loan, and per program guidelines, a Verification of Mortgage (VOM) is not required.<br>The request for a VOM appears to be based solely on the fluctuation in payment amounts. However, the payment variations are contractually required and directly tied to documented construction advances. As additional draws are disbursed, the outstanding principal balance increases, resulting in corresponding changes to the required monthly payment. This is standard for construction financing and does not indicate delinquency, irregular payment behavior, or unacceptable mortgage history.<br>The transaction history clearly reflects advances on:<br>10/09/2024<br>04/04/2025<br>05/23/2025<br>06/10/2025<br>Each payment adjustment aligns precisely with these advances. The borrower has made payments as agreed, and the loan remains in good standing. There is no evidence of late payments, missed payments, or derogatory history.<br>Requiring a VOM to validate fluctuating payments on a construction loan misinterprets the nature of the product. The documented transaction history already supports acceptable mortgage payment history.<br>Based on the above, this finding is unsupported and should be cleared. - Seller-02/12/2026 <br>Counter-Received narrative regarding changes in payment amount. Provide VOM supporting acceptable pay history as payments made vary. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-This is a Non-QM loan. A VOM is not required. The variance in monthly payment amounts is the result of loan advances, not payment delinquency or irregular payment history. The transaction history reflects advances made on 10/09/2024, 04/04/2025, 05/23/2025, and 06/10/2025, which caused temporary changes in the payment amounts. The payment history otherwise confirms the loan is in good standing. Therefore, a VOM is not necessary. Please clear this finding. - Seller-02/10/2026 <br>Counter-Received printout. Missing VOM confirming good standing as payment amount varies. - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. Please see attached 12 months mortgage payment history for the subject investment property. Please clear this finding. - Seller-02/04/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide VOM and or pay history for past 12 months for subject mortgage, (It does not report to credit). - Due Diligence Vendor-02/03/2026 | Ready for Review-This loan is a Non-QM construction loan, and per program guidelines, a Verification of Mortgage (VOM) is not required.<br>The request for a VOM appears to be based solely on the fluctuation in payment amounts. However, the payment variations are contractually required and directly tied to documented construction advances. As additional draws are disbursed, the outstanding principal balance increases, resulting in corresponding changes to the required monthly payment. This is standard for construction financing and does not indicate delinquency, irregular payment behavior, or unacceptable mortgage history.<br>The transaction history clearly reflects advances on:<br>10/09/2024<br>04/04/2025<br>05/23/2025<br>06/10/2025<br>Each payment adjustment aligns precisely with these advances. The borrower has made payments as agreed, and the loan remains in good standing. There is no evidence of late payments, missed payments, or derogatory history.<br>Requiring a VOM to validate fluctuating payments on a construction loan misinterprets the nature of the product. The documented transaction history already supports acceptable mortgage payment history.<br>Based on the above, this finding is unsupported and should be cleared. - Seller-02/12/2026 <br>Ready for Review-This is a Non-QM loan. A VOM is not required. The variance in monthly payment amounts is the result of loan advances, not payment delinquency or irregular payment history. The transaction history reflects advances made on 10/09/2024, 04/04/2025, 05/23/2025, and 06/10/2025, which caused temporary changes in the payment amounts. The payment history otherwise confirms the loan is in good standing. Therefore, a VOM is not necessary. Please clear this finding. - Seller-02/10/2026 <br>Ready for Review-Document Uploaded. Please see attached 12 months mortgage payment history for the subject investment property. Please clear this finding. - Seller-02/04/2026<br>| Resolved-Upon further review, payment history has been provided. - Due Diligence Vendor-02/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 745<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.87 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 167 | XX |  | XX C A | Closed | FCRE1509 | 2026-01-30 09:09 | 2026-02-06 10:14 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received fully executed Note. - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. Please see attached signed Promissory Note and signed lender loan agreement. - Seller-02/06/2026 <br>Open-There are Issues Present on the Note that must be addressed. signed note page in file. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. Please see attached signed Promissory Note and signed lender loan agreement. - Seller-02/06/2026<br>| Resolved-Received fully executed Note. - Due Diligence Vendor-02/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 745<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.87 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 199 | XX |  | XX C A | Closed | FCRE1481 | 2026-02-03 11:39 | 2026-03-11 12:24 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Review excluded the 401k account as it was not required to qualify. - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. The borrower was unable to locate pages 2–4 of the 07/01/2025–09/30/2025 retirement statement. However, a complete statement for 10/01/2025–12/31/2025 has been provided.<br>The ending balance as of 09/30/2025 ($61,215.49) matches the beginning balance on the 10/01/2025–12/31/2025 statement, confirming continuity of the account. The ending balance as of 12/31/2025 is $64,678.03.<br>Based on the matching balances and the complete subsequent statement provided, there are no discrepancies noted.<br>Please review and clear this condition. - Seller-03/07/2026 <br>Counter-Received page 1 of 4. Missing complete statement. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. Please see attached URS Savings Plan Quarterly statement. Please clear this finding. - Seller-02/18/2026 <br>Counter-Received a screen shot only. Original finding remains. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-The cited guideline requiring "a single account statement covering a one month period… provide all pages" applies to transaction-based asset accounts (e.g., bank statements) used for cash flow or deposit analysis.<br>The asset in question is a 401(k) retirement account used solely for verification of ownership and vested balance, not for transaction review.<br>Per Section 7.1 – Verification of Assets, retirement account documentation must:<br>Be from the most recent statement period<br>Evidence borrower ownership<br>Reflect vested balance<br>The URS 401(k) statement provided satisfies all requirements:<br>Statement period: 07/01/25 – 09/30/25<br>Borrower name clearly identified<br>Account type identified<br>Vested balance of $61,215.49 documented<br>The additional pages referenced consist of plan disclosures and educational content only and contain no balance, ownership, vesting, or transaction information relevant to underwriting.<br>The documentation provided meets Non-QM asset verification standards. The "all pages" requirement cited is not applicable to a retirement account used solely for balance verification.<br>This finding should be cleared. - Seller-02/12/2026 <br>Counter-Finding remains. GL states The documentation requirement for all transactions is a single account statement covering a one month period and dated within 120 days of the loan note date. Provide all pages to the account statement - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Per Section 7.1 – Verification of Assets, retirement account documentation must be from the most recent statement period and must evidence borrower ownership and vested balance. The URS 401(k) statement provided satisfies these requirements by clearly identifying:<br>Borrower name<br>Account type (401(k))<br>Statement period (07/01/25–09/30/25)<br>Ending vested balance of $61,215.49<br>Non-QM guidelines do not require "complete copies" of retirement account statements when the pages provided sufficiently verify ownership, vesting, and balance. Pages 2–4 of the URS statement are educational and plan disclosure pages only; they do not contain transactional activity, ownership indicators, or balance information and do not impact the verification of assets.<br>Additionally, the guideline requirement for "complete copies" applies to bank statements or investment portfolio statements used to analyze cash flow or transaction history. Retirement accounts used solely for asset verification are acceptable with statements that evidence ownership and vested balance, which this document does.<br>The asset documentation provided is sufficient for underwriting purposes.<br>Conclusion: Asset Record 3 meets Non-QM verification requirements. The finding should be cleared. - Seller-02/08/2026 <br>Counter-Guidelines state - Complete copies of bank statements or investment portfolio statements from the most recent 30 days prior to the application date. Summary statement is not acceptable. Please provide all pages of the Statement. - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. • Per Section 7.1 – Verification of Assets, retirement account documentation must be from the most recent statement period and must evidence the borrower's ownership and vested balance. The URS 401(k) statement provided meets these requirements by clearly identifying the borrower, account type, statement period (07/01/25–09/30/25), and ending vested balance of $61,215.49.<br> • Pages 2–4 of the URS statement are informational in nature and are not required to verify ownership, vesting, or available retirement assets under Non-QM guidelines. The asset documentation provided is sufficient for underwriting purposes.<br> • Conclusion:<br> Asset Record 3 meets Non-QM verification requirements. The finding should be cleared.<br> - Seller-02/03/2026 <br>Open-Asset Record 3 Does Not Meet G/L Requirements Provide missing pages 2-4 of URS 401k ending 9/30/25. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. The borrower was unable to locate pages 2–4 of the 07/01/2025–09/30/2025 retirement statement. However, a complete statement for 10/01/2025–12/31/2025 has been provided.<br>The ending balance as of 09/30/2025 ($61,215.49) matches the beginning balance on the 10/01/2025–12/31/2025 statement, confirming continuity of the account. The ending balance as of 12/31/2025 is $64,678.03.<br>Based on the matching balances and the complete subsequent statement provided, there are no discrepancies noted.<br>Please review and clear this condition. - Seller-03/07/2026 <br>Ready for Review-Document Uploaded. Please see attached URS Savings Plan Quarterly statement. Please clear this finding. - Seller-02/18/2026 <br>Ready for Review-The cited guideline requiring "a single account statement covering a one month period… provide all pages" applies to transaction-based asset accounts (e.g., bank statements) used for cash flow or deposit analysis.<br>The asset in question is a 401(k) retirement account used solely for verification of ownership and vested balance, not for transaction review.<br>Per Section 7.1 – Verification of Assets, retirement account documentation must:<br>Be from the most recent statement period<br>Evidence borrower ownership<br>Reflect vested balance<br>The URS 401(k) statement provided satisfies all requirements:<br>Statement period: 07/01/25 – 09/30/25<br>Borrower name clearly identified<br>Account type identified<br>Vested balance of $61,215.49 documented<br>The additional pages referenced consist of plan disclosures and educational content only and contain no balance, ownership, vesting, or transaction information relevant to underwriting.<br>The documentation provided meets Non-QM asset verification standards. The "all pages" requirement cited is not applicable to a retirement account used solely for balance verification.<br>This finding should be cleared. - Seller-02/12/2026 <br>Ready for Review-Per Section 7.1 – Verification of Assets, retirement account documentation must be from the most recent statement period and must evidence borrower ownership and vested balance. The URS 401(k) statement provided satisfies these requirements by clearly identifying:<br>Borrower name<br>Account type (401(k))<br>Statement period (07/01/25–09/30/25)<br>Ending vested balance of $61,215.49<br>Non-QM guidelines do not require "complete copies" of retirement account statements when the pages provided sufficiently verify ownership, vesting, and balance. Pages 2–4 of the URS statement are educational and plan disclosure pages only; they do not contain transactional activity, ownership indicators, or balance information and do not impact the verification of assets.<br>Additionally, the guideline requirement for "complete copies" applies to bank statements or investment portfolio statements used to analyze cash flow or transaction history. Retirement accounts used solely for asset verification are acceptable with statements that evidence ownership and vested balance, which this document does.<br>The asset documentation provided is sufficient for underwriting purposes.<br>Conclusion: Asset Record 3 meets Non-QM verification requirements. The finding should be cleared. - Seller-02/08/2026 <br>Ready for Review-Document Uploaded. • Per Section 7.1 – Verification of Assets, retirement account documentation must be from the most recent statement period and must evidence the borrower's ownership and vested balance. The URS 401(k) statement provided meets these requirements by clearly identifying the borrower, account type, statement period (07/01/25–09/30/25), and ending vested balance of $61,215.49.<br> • Pages 2–4 of the URS statement are informational in nature and are not required to verify ownership, vesting, or available retirement assets under Non-QM guidelines. The asset documentation provided is sufficient for underwriting purposes.<br> • Conclusion:<br> Asset Record 3 meets Non-QM verification requirements. The finding should be cleared.<br> - Seller-02/03/2026<br>| Resolved-Review excluded the 401k account as it was not required to qualify. - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 720<br>Months Reserves exceed minimum required - 16.74 mos reserves; 0 required |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | WY | Investment | Purchase | NA | N/A | N/A | XX |
| 173 | XX |  | XX D A C | Closed | FCRE8712 | 2026-02-12 13:02 | 2026-02-17 17:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Received 2 months bank statement with rental income. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/12/2026 <br>Open-Provide proof of 2m rent deposits for properties C, D, E, F & G to use rental lease income in qualifying. (See Audit Worksheet for property reference) - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/12/2026<br>| Resolved-Received 2 months bank statement with rental income. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 35.64 Required is 50.49 Borrower has 35.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 749 Required is 700 Borrower has 749 |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 173 | XX |  | XX D A C | Closed | finding-3352 | 2026-02-11 14:50 | 2026-02-13 08:36 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Full appraisal and escrows. - Due Diligence Vendor-02/13/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Statute of limitations – One year; Expiration date: 01/26/2027 - Due Diligence Vendor-02/11/2026 |  | Resolved-Full appraisal and escrows. - Due Diligence Vendor-02/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 35.64 Required is 50.49 Borrower has 35.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 749 Required is 700 Borrower has 749 |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 174 | XX |  | XX C A | Closed | FCRE1506 | 2026-02-12 16:51 | 2026-03-12 13:30 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received LOE in the Asset finding. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. Yes, The $61,098.20 business funds are for reserves only, This is to cover the 3 months reserves amount of $24,432.42 and most of the XX 30day required reserves $38,772 = -$2,106.22 still needed assets. The verified December XX Bank acct XX has $189,442.26 assets, these funds are sufficient to cover the cash required to close $162.243.92 and the $2,106.22 of the reserves still needed from the first line. That leaves an additional $25,092.12 in excess of funds verified. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 <br> Counter-Finding has been escalated. Borrower has $182,442.61 in account XX. Cash to Close is $162,799.61 + $38,772 balance due monthly leaves Negative $12,129.35 post close. Per prior rebuttals the $61,098.20 business funds are for reserves only. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Please escalate this matter for manager review, Lender notes Since XX Bank Acct XX Balance $61,098.20 is not being liquidated for closing, the LOX is not required. Per guide, the LOX is only required if the funds will be pulled from the account and used for the Closing Funds. Said Business acct. is not being liquidated, and We only need to know how the business will be impacted if the funds are liquidated. Please expedite this to be cleared as soon as possible - Seller-03/04/2026 <br> Counter-The borrower is short $12,129.35 in funds to close without the XX account. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-per your prior notes, Income finding cleared and no longer pending income concern. Please expedite this to be cleared as soon as possible - Seller-02/25/2026 <br> Counter-Pending income findings that are currently in counter status. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Not valid counter, Bank Statement is less than the 60days of Application. Lender Notes the loan application was made on "12.XX.2025" date as recorded via LOS Tracking system. Loan meets the NON QM guidelines, with the application date as of 12.XX.2025 and biz statements dated 10.31.2025 - Seller-02/18/2026 <br> Counter-Pending updated bank statements for income calc. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Lender Notes the loan application was made on "12.XX.2025" date as recorded via LOS Tracking system, as it was date stamped with said measures. The initial disclosures were sent out on same day, which then were e-signed on 1.2.2026. Therefore, loan meets the NON QM guidelines, with the application date as of 12.XX.2025 and biz statements dated 10.31.2025 - Seller-02/13/2026 <br> Ready for Review-Document Uploaded. Lender notes the purchase agreement date is superseded by the most current dated chain of terms, please see attached the most current 01.14.2026 Purchase Addendum signed by all parties. - Seller-02/13/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Most recent statement must be dated within 60 days of application date. Most recent statement provided is dated 10/31/2025, application date is 1/2/2026 - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Yes, The $61,098.20 business funds are for reserves only, This is to cover the 3 months reserves amount of $24,432.42 and most of the XX 30day required reserves $38,772 = -$2,106.22 still needed assets. The verified December XX Bank acct XX has $189,442.26 assets, these funds are sufficient to cover the cash required to close $162.243.92 and the $2,106.22 of the reserves still needed from the first line. That leaves an additional $25,092.12 in excess of funds verified. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 <br> Ready for Review-Please escalate this matter for manager review, Lender notes Since XX Bank Acct XX Balance $61,098.20 is not being liquidated for closing, the LOX is not required. Per guide, the LOX is only required if the funds will be pulled from the account and used for the Closing Funds. Said Business acct. is not being liquidated, and We only need to know how the business will be impacted if the funds are liquidated. Please expedite this to be cleared as soon as possible - Seller-03/04/2026 <br> Ready for Review-per your prior notes, Income finding cleared and no longer pending income concern. Please expedite this to be cleared as soon as possible - Seller-02/25/2026 <br> Ready for Review-Not valid counter, Bank Statement is less than the 60days of Application. Lender Notes the loan application was made on "12.XX.2025" date as recorded via LOS Tracking system. Loan meets the NON QM guidelines, with the application date as of XXX and biz statements dated 10.31.2025 - Seller-02/18/2026 <br> Ready for Review-Document Uploaded. Lender Notes the loan application was made on "XXX" date as recorded via LOS Tracking system, as it was date stamped with said measures. The initial disclosures were sent out on same day, which then were e-signed on 1.2.2026. Therefore, loan meets the NON QM guidelines, with the application date as of XXX and biz statements dated 10.31.2025 - Seller-02/13/2026 <br> Ready for Review-Document Uploaded. Lender notes the purchase agreement date is superseded by the most current dated chain of terms, please see attached the most current 01.14.2026 Purchase Addendum signed by all parties. - Seller-02/13/2026 | Resolved-Received LOE in the Asset finding. - Due Diligence Vendor-03/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 12.71 Required is 45 Borrower has 12.71<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | NJ | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 174 | XX |  | XX C A | Closed | FCRE1491 | 2026-02-12 15:01 | 2026-03-12 13:26 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received LOE. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. Please see attached LOE showing the business will not be impacted - Seller-03/11/2026 <br> Ready for Review-Yes, The $61,098.20 business funds are for reserves only, This is to cover the 3 months reserves amount of $24,432.42 and most of the XX 30day required reserves $38,772 = -$2,106.22 still needed assets. The verified December XX Bank acct XX has $189,442.26 assets, and funds are sufficient to cover the cash required to close $162.243.92 and the $2,106.22 of the reserves still needed from the first line. That leaves an additional $25,092.12 in excess of funds verified. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 <br> Counter-Finding has been escalated. Borrower has $182,442.61 in account XX. Cash to Close is $162,799.61 + $38,772 balance due monthly leaves Negative $12,129.35 post close. Per prior rebuttals the $61,098.20 business funds are for reserves only. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Please escalate this matter for manager review, Lender notes Since XX Bank Acct XX Balance $61,098.20 is not being liquidated for closing, the LOX is not required. Per guide, the LOX is only required if the funds will be pulled from the account and used for the Closing Funds. Said Business acct. is not being liquidated, and We only need to know how the business will be impacted if the funds are liquidated. Please expedite this to be cleared as soon as possible - Seller-03/04/2026 <br> Counter-The borrower is short $12,129.35 in funds to close without the XX account. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. The funds in XX Bank Account ending XX, with a current balance of $61,098.20, are being used solely to satisfy reserve requirements and are not being applied toward closing costs. Because these assets are not used for down payment, closing, or any borrower-paid transaction costs, they fall outside the scope of the NON-QM guideline requiring "a Letter of Explanation executed by the majority of the business ownership describing the potential impact on the business if business funds are used for closing.". We are requesting manager-level review of this matter, as the lender confirms that the business funds are not used for closing, No Letter of Explanation from majority owners is required, and No exception is needed when business assets are used strictly as reserves. Based on these facts, the request for an LOE appears to be inconsistent with the published NON-QM requirements. - Seller-02/21/2026 <br> Counter-Received revised 1003 removing business assets and Open 30 Day XX. Must meet guidelines 8.9 Open 30 day charge and must be included in verified funds. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Ready for Review-Document Uploaded. Removed Biz funds as not needed to close, & Hit DTI ratio with XX OPEN acct. Please see attached FTC recalculation without Biz use of funds and changed XX OPEN account to a DTI HIT… - Seller-02/13/2026 <br> Ready for Review-Document Uploaded. Lender Notes the loan application was made on "12.XX.2025" date as recorded via LOS Tracking system, as it was date stamped with said measures. The initial disclosures were sent out on same day, which then were e-signed on 1.2.2026. Therefore, loan meets the NON QM guidelines, with the application date as of XXX and biz statements dated 10.31.2025 - Seller-02/13/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Letter of Explanation executed by the majority of the business' ownership describing the potential impact on the business if business funds are used for closing. Provide for all business assets. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached LOE showing the business will not be impacted - Seller-03/11/2026 <br> Ready for Review-Yes, The $61,098.20 business funds are for reserves only, This is to cover the 3 months reserves amount of $24,432.42 and most of the XX 30day required reserves $38,772 = -$2,106.22 still needed assets. The verified December XX Bank acct XX has $189,442.26 assets, and funds are sufficient to cover the cash required to close $162.243.92 and the $2,106.22 of the reserves still needed from the first line. That leaves an additional $25,092.12 in excess of funds verified. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 <br> Ready for Review-Please escalate this matter for manager review, Lender notes Since XX Bank Acct XX Balance $61,098.20 is not being liquidated for closing, the LOX is not required. Per guide, the LOX is only required if the funds will be pulled from the account and used for the Closing Funds. Said Business acct. is not being liquidated, and We only need to know how the business will be impacted if the funds are liquidated. Please expedite this to be cleared as soon as possible - Seller-03/04/2026 <br> Ready for Review-Document Uploaded. The funds in XX Bank Account ending XX, with a current balance of $61,098.20, are being used solely to satisfy reserve requirements and are not being applied toward closing costs. Because these assets are not used for down payment, closing, or any borrower-paid transaction costs, they fall outside the scope of the NON-QM guideline requiring "a Letter of Explanation executed by the majority of the business ownership describing the potential impact on the business if business funds are used for closing.". We are requesting manager-level review of this matter, as the lender confirms that the business funds are not used for closing, No Letter of Explanation from majority owners is required, and No exception is needed when business assets are used strictly as reserves. Based on these facts, the request for an LOE appears to be inconsistent with the published NON-QM requirements. - Seller-02/21/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Ready for Review-Document Uploaded. Removed Biz funds as not needed to close, & Hit DTI ratio with XX OPEN acct. Please see attached FTC recalculation without Biz use of funds and changed XX OPEN account to a DTI HIT… - Seller-02/13/2026 <br> Ready for Review-Document Uploaded. Lender Notes the loan application was made on "12.XX.2025" date as recorded via LOS Tracking system, as it was date stamped with said measures. The initial disclosures were sent out on same day, which then were e-signed on 1.2.2026. Therefore, loan meets the NON QM guidelines, with the application date as of 12.XX.2025 and biz statements dated 10.31.2025 - Seller-02/13/2026 | Resolved-Received LOE. - Due Diligence Vendor-03/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 12.71 Required is 45 Borrower has 12.71<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | NJ | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 174 | XX |  | XX C A | Closed | FCRE8013 | 2026-02-12 13:53 | 2026-03-09 13:58 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Upon further review, NJ does not require the signature to be dated. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Not a valid counter, Please escalate this matter for manager review as TPR counters are looping without resolution. The lender does not regulate the completeness of the purchase contract and does not require signature dates to be entered. Lenders focus on loan qualification, underwriting, and ensuring the contract is valid for lending purposes. They do not enforce how complete the purchase contract is beyond what they need for underwriting. They also do not require dates on signatures as a lending requirement. State DRE (Department of Real Estate) regulates real-estate contract requirements, including signature dating, compliance, and forms adherence. Please expedite this to be cleared as soon as possible - Seller-03/06/2026 <br>Counter-Purchase contract is dated 12/23 however the buyer and seller did not date the contract upon signing. Finding Remains - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. Please see attached is the fully executed initial Purchase agreement copy and addendum provided previously. Please expedite this to be cleared as soon as possible - Seller-03/05/2026 <br>Counter-Received seller signature date on contract addendum. Missing date on original purchase contract or confirmation of final contract date as appraisal notes 12/25/25 - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Lender notes the purchase agreement date is superseded by the most current dated chain of terms, please see attached the most current 01.14.2026 Purchase Addendum signed by all parties. - Seller-02/13/2026 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Document to be dated. Date is missing from page 1 and signatures - Due Diligence Vendor-02/12/2026 | Ready for Review-Not a valid counter, Please escalate this matter for manager review as TPR counters are looping without resolution. The lender does not regulate the completeness of the purchase contract and does not require signature dates to be entered. Lenders focus on loan qualification, underwriting, and ensuring the contract is valid for lending purposes. They do not enforce how complete the purchase contract is beyond what they need for underwriting. They also do not require dates on signatures as a lending requirement. State DRE (Department of Real Estate) regulates real-estate contract requirements, including signature dating, compliance, and forms adherence. Please expedite this to be cleared as soon as possible - Seller-03/06/2026 <br>Ready for Review-Document Uploaded. Please see attached is the fully executed initial Purchase agreement copy and addendum provided previously. Please expedite this to be cleared as soon as possible - Seller-03/05/2026 <br>Ready for Review-Lender notes the purchase agreement date is superseded by the most current dated chain of terms, please see attached the most current 01.14.2026 Purchase Addendum signed by all parties. - Seller-02/13/2026<br>| Resolved-Upon further review, NJ does not require the signature to be dated. - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 12.71 Required is 45 Borrower has 12.71<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | NJ | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 174 | XX |  | XX C A | Closed | FCRE1437 | 2026-02-12 14:19 | 2026-02-24 14:17 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received documentation to support the initial application date is 12/29/2025 - Due Diligence Vendor-02/24/2026 <br> Ready for Review- Please escalate for manager review, Again the 1003 generated on XXX was signed on 1.2.2026 (it is the same document). Please read uploaded items - Seller-02/20/2026 <br> Counter-Received 1003 dated 1/2/26. Missing 1003 dated 12/29. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Please escalate for manager review, please read pages 47-55 of initial uploads original 1003 has been provided. see attached - Seller-02/18/2026 <br> Counter-Received disclosure tracking. Provide initial application dated 12/29. Compliance review required. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Lender Notes the loan application was made on "12.XX.2025" date as recorded via LOS Tracking system, as it was date stamped with said measures. The initial disclosures were sent out on same day, which then were e-signed on 1.2.2026. Therefore, loan meets the NON QM guidelines, with the application date as of XXX and biz statements dated 10.31.2025 - Seller-02/13/2026 <br> Open-Income and Employment Do Not Meet Guidelines Assets used for income: Most recent statement must be dated within 60 days of application date. Most recent statement provided is dated 10/31/2025m application date is 1/2/2026 - Due Diligence Vendor-02/12/2026 | Ready for Review- Please escalate for manager review, Again the 1003 generated on 12.XX.2025 was signed on 1.2.2026 (it is the same document). Please read uploaded items - Seller-02/20/2026 <br> Ready for Review-Document Uploaded. Please escalate for manager review, please read pages 47-55 of initial uploads original 1003 has been provided. see attached - Seller-02/18/2026 <br> Ready for Review-Document Uploaded. Lender Notes the loan application was made on "XXX" date as recorded via LOS Tracking system, as it was date stamped with said measures. The initial disclosures were sent out on same day, which then were e-signed on 1.2.2026. Therefore, loan meets the NON QM guidelines, with the application date as of 12.XX.2025 and biz statements dated 10.31.2025 - Seller-02/13/2026 | Resolved-Received documentation to support the initial application date is 12/29/2025 - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 12.71 Required is 45 Borrower has 12.71<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | NJ | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 174 | XX |  | XX C A | Closed | FCRE2502 | 2026-02-12 15:13 | 2026-02-17 16:31 | Resolved | 1 - Information C A | Credit | Eligibility | Transaction is not arm's length | Resolved-Upon further review, the loan file contained all required arms length documentation including appraisal and $100k EMD verified. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-The lender notes that the tenant's acquisition of the subject property from the seller does not constitute any relationship between the parties other than their existing landlord–tenant accord, and therefore requires no further explanation. Additionally, please see the appraisal report, which contains comments addressing this matter: 'Non–arm's-length sale; the contract appears reasonable/between owner and tenant.'" - Seller-02/13/2026 <br>Open-A Letter of Explanation regarding the relationship between the parties is required. - Due Diligence Vendor-02/12/2026 | Ready for Review-The lender notes that the tenant's acquisition of the subject property from the seller does not constitute any relationship between the parties other than their existing landlord–tenant accord, and therefore requires no further explanation. Additionally, please see the appraisal report, which contains comments addressing this matter: 'Non–arm's-length sale; the contract appears reasonable/between owner and tenant.'" - Seller-02/13/2026<br>| Resolved-Upon further review, the loan file contained all required arms length documentation including appraisal and $100k EMD verified. - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 12.71 Required is 45 Borrower has 12.71<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | NJ | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 171 | XX |  | XX D A C | Closed | FCRE7497 | 2026-02-24 14:21 | 2026-02-27 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached $200 HOA billing - Seller-02/26/2026 <br> Open-Missing for property 3c-XX Missing the HOA fees. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Please see attached $200 HOA billing - Seller-02/26/2026<br>| Resolved-Received HOA. - Due Diligence Vendor-02/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Borrower has 768 Required is 720 Borrower has 768<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 30.84 Required is 50 Borrower has 31.15 |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 171 | XX |  | XX D A C | Closed | FCRE0044 | 2026-02-25 13:18 | 2026-02-27 13:12 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit inquiry documentation - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Not a valid finding, Lender notes the Credit inquiries do not require explanations, due to XX is the broker on the subject loan that pulled credit on 12.16.2025 and XX Reissued same credit on 12.18.2025 to validate data. B2 application 2 also has same broker "XX" of which pulled credit and XX reissued 12.18.2025 and no need for explanation is warranted. Please expedite this to be cleared as soon as possible - Seller-02/26/2026 <br> Open-LOX for credit inquiries is missing. Missing LOX for credit inquiries is missing for each borrowers. - Due Diligence Vendor-02/25/2026 | Ready for Review-Not a valid finding, Lender notes the Credit inquiries do not require explanations, due to XX is the broker on the subject loan that pulled credit on 12.16.2025 and XX Reissued same credit on 12.18.2025 to validate data. B2 application 2 also has same broker "XX" of which pulled credit and XX reissued 12.18.2025 and no need for explanation is warranted. Please expedite this to be cleared as soon as possible - Seller-02/26/2026 | Resolved-Upon further review, the loan file contained all required credit inquiry documentation - Due Diligence Vendor-02/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Borrower has 768 Required is 720 Borrower has 768<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 30.84 Required is 50 Borrower has 31.15 |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 191 | XX |  | XX C A | Closed | FVAL2477 | 2026-04-08 12:08 | 2026-04-17 12:01 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Received correct Appraisal to reflect 29 Units - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 <br> Counter-Please provide revised appraisal report reflecting the number of units. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Questionnaire, Master Policy, and Recent building inspection all support 29 units. Please note that it is not our requirement for the Appraisal and Condo Questionnaire to match. We note that the Appraiser does not always have the most up to date information; therefore, we compare the data and use the information provided by the HOA as it would be the most recent and updated information. - Seller-04/08/2026 <br> Open-Appraisal indicates 28 units, but Condo Questionnaire states 29. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 <br>Ready for Review-Questionnaire, Master Policy, and Recent building inspection all support 29 units. Please note that it is not our requirement for the Appraisal and Condo Questionnaire to match. We note that the Appraiser does not always have the most up to date information; therefore, we compare the data and use the information provided by the HOA as it would be the most recent and updated information. - Seller-04/08/2026<br>| Resolved-Received correct Appraisal to reflect 29 Units - Due Diligence Vendor-04/17/2026<br>| Credit history exceeds minimum required - Borrower exceeds minm 3 tradelines for 12 months requirements.<br>Months Reserves exceed minimum required - Minm 6, Borrower has 11.94 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | XX |
| 191 | XX |  | XX C A | Closed | FCRE1206 | 2026-04-07 14:16 | 2026-04-10 12:27 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received revised Drive/Fraud Report last run 04/08/2026 with updated participants in the transaction to include: Borrowers/Guarantors, Property Sellers, Brokers, Loan Officers, Appraisers, Real Estate Agents, Settlement Agent, NBS also included. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Additional Seller/Owner was not included in Fraud Report search. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2026<br>| Resolved-Received revised Drive/Fraud Report last run 04/08/2026 with updated participants in the transaction to include: Borrowers/Guarantors, Property Sellers, Brokers, Loan Officers, Appraisers, Real Estate Agents, Settlement Agent, NBS also included. - Due Diligence Vendor-04/10/2026<br>| Credit history exceeds minimum required - Borrower exceeds minm 3 tradelines for 12 months requirements.<br>Months Reserves exceed minimum required - Minm 6, Borrower has 11.94 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | XX |
| 180 | XX |  | XX D B A | Closed | FCRE1316 | 2026-04-08 13:05 | 2026-04-20 09:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Work number VOE provided. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see attached the work number verified on 3.31.2026 - Seller-04/17/2026 <br> Counter-Snip of a WVOE provided, however it does not reflect a name. Please provide the WVOE, additional findings may apply. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Disagree, NON QM Guideline 5.1.25 has been met, Lender notes the 3.31.206 CPA verification letter is within 10 days of the loan Note closed 04.XX.2026, does suffice. - Seller-04/08/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing the VOE Prior to Close with XXX. Upon receipt of the condition additional information maybe required. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached the work number verified on 3.31.2026 - Seller-04/17/2026 <br> Ready for Review-Document Uploaded. Disagree, NON QM Guideline 5.1.25 has been met, Lender notes the 3.31.206 CPA verification letter is within 10 days of the loan Note closed 04.XX.2026, does suffice. - Seller-04/08/2026 | Resolved-Work number VOE provided. - Due Diligence Vendor-04/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 732 Required is 680 Borrower has 732<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.07 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | XX |
| 180 | XX |  | XX D B A | Closed | FCRE1325 | 2026-04-08 13:05 | 2026-04-20 09:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Disagree, NON QM Guideline 5.1.26 has been met, Lender notes the 3.25.2026 CPA verification letter is within 60 days of the loan Note closed 04.XX.2026, does suffice. - Seller-04/08/2026 <br> Open-Borrower 1 CPA Letter Missing Missing the CPA Letter confirming the borrower's self employment. Upon receipt of the condition, additional conditions maybe required. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Disagree, NON QM Guideline 5.1.26 has been met, Lender notes the 3.25.2026 CPA verification letter is within 60 days of the loan Note closed 04.XX.2026, does suffice. - Seller-04/08/2026 | Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 732 Required is 680 Borrower has 732<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.07 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | XX |
| 180 | XX |  | XX D B A | Closed | FCRE1304 | 2026-04-08 13:05 | 2026-04-20 09:36 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Resolved-The borrower gross receipts almost doubled. The expenses increased due to a business expansion. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Please note that the Tax Returns clearly show an upward trend in in Gross Receipts from $1,119,911 in 2023 to $1,973,000 in 2024. Reviewing the Schedule C, it is reflected that the decrease in Net Earnings was due to the business increasing and the borrower expanding the office (Cost Increased from $0 to $81,230) and the borrower having to subcontract work, which totaled an additional $1,170,000.00 expense. <br>Can this finding please be reconsidered since the lower income was used, and it is reasonable for income to decrease, due to additional expenses, as a business is expanding. The increase in gross receipts should be sufficient to evidence the business is operating and stable. <br>Your assistance with this finding will be greatly appreciated. - Seller-04/17/2026 <br>Open-Income 1 Income Trend is Decreasing Missing supporting documentation and explanation for the decrease in self employment income and that it will not continue. Since guidelines are silent, follow FNMA requirements and income may not be considered if the income trend is unstable. Upon receipt additional information maybe required. - Due Diligence Vendor-04/08/2026 | Ready for Review-Please note that the Tax Returns clearly show an upward trend in in Gross Receipts from $1,119,911 in 2023 to $1,973,000 in 2024. Reviewing the Schedule C, it is reflected that the decrease in Net Earnings was due to the business increasing and the borrower expanding the office (Cost Increased from $0 to $81,230) and the borrower having to subcontract work, which totaled an additional $1,170,000.00 expense. <br>Can this finding please be reconsidered since the lower income was used, and it is reasonable for income to decrease, due to additional expenses, as a business is expanding. The increase in gross receipts should be sufficient to evidence the business is operating and stable. <br>Your assistance with this finding will be greatly appreciated. - Seller-04/17/2026<br>| Resolved-The borrower gross receipts almost doubled. The expenses increased due to a business expansion. - Due Diligence Vendor-04/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 732 Required is 680 Borrower has 732<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.07 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | XX |
| 180 | XX |  | XX D B A | Closed | FCRE1319 | 2026-04-08 14:05 | 2026-04-20 09:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-Upon review of the 2023 and 2024 tax transcripts, there is nothing shown at the top as a past due payment, late fees etc - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Disagree, Please see supervisor, not valid; Lender notes it appears this finding has come up often and each response has been that said taxes owed are not delinquent. The Presence of an "Amount you Owe" on a 1040 TR is not evidence of delinquency and does not, by it's self, require the lender to obtain proof of payment. A balance due at filing under-withholding for the year, and tax payers often pay this amount at the time of filing or immediately afterward. There is no indication the borrower is past due, on a payment plan, or subject to an IRS lien. Without any evidence of delinquency, there is no requirement in XX or Fannie-mae guidelines, that requires post-filing tax payments. Because the return reflects only a normal year-end balance due and not a delinquent tax obligation, documentation of payment is not required. Please expedite this to be cleared as soon as possible<br> - Seller-04/08/2026 <br> Open-Missing proof that the 2024 and 2023 taxes owned on the 1040s have been paid. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/08/2026 | Ready for Review-Disagree, Please see supervisor, not valid; Lender notes it appears this finding has come up often and each response has been that said taxes owed are not delinquent. The Presence of an "Amount you Owe" on a 1040 TR is not evidence of delinquency and does not, by it's self, require the lender to obtain proof of payment. A balance due at filing under-withholding for the year, and tax payers often pay this amount at the time of filing or immediately afterward. There is no indication the borrower is past due, on a payment plan, or subject to an IRS lien. Without any evidence of delinquency, there is no requirement in XX or Fannie-mae guidelines, that requires post-filing tax payments. Because the return reflects only a normal year-end balance due and not a delinquent tax obligation, documentation of payment is not required. Please expedite this to be cleared as soon as possible<br> - Seller-04/08/2026 | Resolved-Upon review of the 2023 and 2024 tax transcripts, there is nothing shown at the top as a past due payment, late fees etc - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 732 Required is 680 Borrower has 732<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.07 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | XX |
| 180 | XX |  | XX D B A | Closed | FCRE5782 | 2026-04-08 13:20 | 2026-04-10 15:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/09/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing the GAP Credit Report/ Undisclosed Debt Monitoring Report. Upon receipt additional information maybe required. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/09/2026<br>| Resolved-Received UDM - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 732 Required is 680 Borrower has 732<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.07 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | XX |
| 180 | XX |  | XX D B A | Closed | FCRE1206 | 2026-04-08 13:22 | 2026-04-10 15:13 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/09/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Missing Exclusionary List for all interested parties. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/09/2026<br>| Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 732 Required is 680 Borrower has 732<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.07 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | XX |
| 180 | XX |  | XX D B A | Closed | FCRE1205 | 2026-04-08 13:22 | 2026-04-10 15:13 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud Report w/OFAC Check Completed and Cleared - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/09/2026 <br>Open-OFAC Check Not Completed and/or Cleared Missing OFAC Check for all required parties. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/09/2026<br>| Resolved-Received Fraud Report w/OFAC Check Completed and Cleared - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 732 Required is 680 Borrower has 732<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.07 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | XX |
| 180 | XX |  | XX D B A | Closed | FCRE1201 | 2026-04-08 13:22 | 2026-04-10 15:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/09/2026 <br>Open-Missing Third Party Fraud Report Missing the Fraud Report. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/09/2026<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 732 Required is 680 Borrower has 732<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.07 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | XX |
| 180 | XX |  | XX D B A | Closed | FCRE8705 | 2026-04-08 14:42 | 2026-04-08 14:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Excessive Seller Contributions | Waived-Originator exception granted to allow excessive third party contributions, Non-material waiver applied with comp factors.non-material due to FICO and employment time. - Due Diligence Vendor-04/08/2026 <br>Open-7.% Seller concessions - Due Diligence Vendor-04/08/2026 |  | Waived-Originator exception granted to allow excessive third party contributions, Non-material waiver applied with comp factors.non-material due to FICO and employment time. - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 732 Required is 680 Borrower has 732<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.07 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | Originator Post-Close | Yes | XX |
| 193 | XX |  | XX C B A | Closed | FCRE1384 | 2026-04-08 17:39 | 2026-04-20 13:16 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 3 Tax Returns Not Signed | Resolved-Tax transcripts were provided. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see attached 2023 K1 also located on initial package upload page 626. Please expedite this to be cleared as soon as possible - Seller-04/17/2026 <br> Counter-Received explanation regarding transcripts being present in file, upon further review, returns must be signed or accompanied by transcripts- this is resolved. However condition remains as Borrower 3-XX 2023 K1 for XXX and XXX remains incomplete. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Lender notes the Transcripts were obtained (already provided to TPR) and therefore do not require the tax returns to be signed. See Page 652 – Borrower 3 Tax Returns transcripts, Also attached again - Seller-04/09/2026 <br> Open-Borrower 3 Tax Returns Not Signed Missing Borrower 3 (XXX) 2023 K1 from XXX and XXX. Upon receipt additional information maybe required. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached 2023 K1 also located on initial package upload page 626. Please expedite this to be cleared as soon as possible - Seller-04/17/2026 <br>Ready for Review-Document Uploaded. Lender notes the Transcripts were obtained (already provided to TPR) and therefore do not require the tax returns to be signed. See Page 652 – Borrower 3 Tax Returns transcripts, Also attached again - Seller-04/09/2026<br>| Resolved-Tax transcripts were provided. - Due Diligence Vendor-04/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.16<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744<br>LTV is less than guideline maximum - Required is 85 Borrower has 74.48 |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 193 | XX |  | XX C B A | Closed | FCOM1301 | 2026-04-07 11:50 | 2026-04-07 14:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/07/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/07/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.16<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744<br>LTV is less than guideline maximum - Required is 85 Borrower has 74.48 |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Purchase | NA | Originator Post-Close | No | XX |
| 187 | XX |  | XX C A | Closed | FCRE0044 | 2026-04-10 16:15 | 2026-04-20 14:38 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries was provided. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Please see attached - Seller-04/17/2026 <br>Open-LOX for credit inquiries is missing. Provide LOX for credit inquiries within 90 days of credit report date. - Due Diligence Vendor-04/10/2026 | Ready for Review-Please see attached - Seller-04/17/2026<br>| Resolved-LOX for credit inquiries was provided. - Due Diligence Vendor-04/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 681<br>LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 13 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | FL | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 178 | XX |  | XX C A | Closed | FCRE1440 | 2026-04-09 12:50 | 2026-04-20 14:35 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOM for the subject property was provided. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see attached Subject VOM shows never late - Seller-04/17/2026 <br> Counter-Received VOR for XX and Property profile for XX. Condition remains This condition pertains to VOR/VOM Subject property address is XX (File pages 200-201-203 VOM for XX) - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Lender notes the Primary is owned free and clear and see VOR for prior to September 2025 - Seller-04/13/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide a 12 month satisfactory housing history for the subject property. Additional conditions may apply. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see attached Subject VOM shows never late - Seller-04/17/2026 <br>Ready for Review-Document Uploaded. Lender notes the Primary is owned free and clear and see VOR for prior to September 2025 - Seller-04/13/2026<br>| Resolved-VOM for the subject property was provided. - Due Diligence Vendor-04/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 698<br>DSCR % greater than 1.20 - .<br> Required is 0 Borrower has 1.396<br>LTV is less than guideline maximum - Required is 70 Borrower has 51.61 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 194 | XX |  | XX D A | Closed | FCRE7009 | 2026-04-10 15:37 | 2026-04-21 16:36 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Property located in Florida, replacement cost. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/17/2026 <br> Counter-Received Checklist of Coverage dated 03/XX/2026 for Policy Number XX reflecting Dwelling Limit of insurance $XX, Limit of insurance for other structures $18k, Personal property $XX. Policy in file is XX XX . Please provide the Policy Number XX reflected on Checklist of Coverage dated 03/31/2026<br> - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Based on the attached, the HOI coverage is sufficient. - Seller-04/13/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. HOI reflects Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/17/2026 <br>Ready for Review-Document Uploaded. Based on the attached, the HOI coverage is sufficient. - Seller-04/13/2026<br>| Resolved-Property located in Florida, replacement cost. - Due Diligence Vendor-04/21/2026<br>| LTV is less than guideline maximum - LTV of 70% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 713 which exceeds the minimum of 660 Required is 660 Borrower has 713<br>Qualifying DTI below maximum allowed - DTI of 37.67% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 37.67 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 194 | XX |  | XX D A | Closed | FCRE1964 | 2026-04-10 16:36 | 2026-04-15 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received CD for Loan#XX reflecting PI $5685.01 + TIA $1192.69 = $6877.70 supports 1003 Figures $6878. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026 <br> Open-Missing documentation for primary residence Loan recently closed Loan#XX<br> REO expenses taken from 1003. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/13/2026<br>| Resolved-Received CD for Loan#XX reflecting PI $5685.01 + TIA $1192.69 = $6877.70 supports 1003 Figures $6878. - Due Diligence Vendor-04/15/2026 | LTV is less than guideline maximum - LTV of 70% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 713 which exceeds the minimum of 660 Required is 660 Borrower has 713<br>Qualifying DTI below maximum allowed - DTI of 37.67% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 37.67 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 192 | XX |  | XX D A | Closed | FCRE1317 | 2026-04-10 10:25 | 2026-04-17 11:39 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Upon further review - 2+ Year self-employment is documented on 1003 - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Counter is not valid, lender verified 12mo XX via Bank stmts and this NON QM loan scenario does not require to verify prior employments... no further documentation is required, Please expedite this to be cleared as soon as possible - Seller-04/17/2026 <br> Counter-Received 1003 already present in file reflecting prior employer Ramped Careers for the dates 03/01/2020 - 12/01/2025. Please provide 3rd party verification for this employer/dates. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. Lender notes the prior employment history is stated on section 1d of the 1003 URLA loan application, See attached - Seller-04/14/2026 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Lender to verify a full 2 years of employment for borrower. - Due Diligence Vendor-04/10/2026 | Ready for Review-Counter is not valid, lender verified 12mo XX via Bank stmts and this NON QM loan scenario does not require to verify prior employments... no further documentation is required, Please expedite this to be cleared as soon as possible - Seller-04/17/2026 <br> Ready for Review-Document Uploaded. Lender notes the prior employment history is stated on section 1d of the 1003 URLA loan application, See attached - Seller-04/14/2026 | Resolved-Upon further review - 2+ Year self-employment is documented on 1003 - Due Diligence Vendor-04/17/2026<br>| Qualifying DTI below maximum allowed - .Required is 50 Borrower has 36.33 Required is 50 Borrower has 36.33<br>LTV is less than guideline maximum - .Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - .Required is 660 Borrower has 773 Required is 660 Borrower has 773 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NC | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 192 | XX |  | XX D A | Closed | FCRE1325 | 2026-04-10 10:25 | 2026-04-17 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Upon further review - CPA Letter is not required. Per Op Agreement 100% Member and Sec of State search on 3/26/2026 shows Good Standing - Due Diligence Vendor-04/17/2026 <br>Ready for Review-Document Uploaded. Invalid counter due to there is no such guide section of 5.2.26, Lender notes verification has been met according to Non QM 5.1.26 guidelines and no further docs are required, TPR has already cleared other VOE concerns. Please expedite this to be cleared as soon as possible - Seller-04/17/2026 <br>Counter-Received Business narrative completed by the borrower. Condition remains. per guideliens "5.2.26 Verification for Self- Employed Borrowers on LLC/Corporation verification if the If the borrower's business is registered as single-member LLC/Corporation then the borrower must provide Articles of Incorporation and most recent filing with secretary of state. If articles of Incorporation do not list its owners, then CPA Letter with Ownership Breakdown or Addendum will be required. Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a CTEC registered tax preparer, PTIN, or a Tax Attorney must have either filed or reviewed previous year returns or financial audit". Operating agreement p 191, missing most recent filing. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. CPA letter is not required, see Business Narrative attached and Please expedite this to be cleared as soon as possible - Seller-04/14/2026 <br>Open-Borrower 1 CPA Letter Missing Borrower 1 CPA & Business Narative Letter Missing - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Invalid counter due to there is no such guide section of 5.2.26, Lender notes verification has been met according to Non QM 5.1.26 guidelines and no further docs are required, TPR has already cleared other VOE concerns. Please expedite this to be cleared as soon as possible - Seller-04/17/2026 <br>Ready for Review-Document Uploaded. CPA letter is not required, see Business Narrative attached and Please expedite this to be cleared as soon as possible - Seller-04/14/2026<br>| Resolved-Upon further review - CPA Letter is not required. Per Op Agreement 100% Member and Sec of State search on 3/26/2026 shows Good Standing - Due Diligence Vendor-04/17/2026 | Qualifying DTI below maximum allowed - .Required is 50 Borrower has 36.33 Required is 50 Borrower has 36.33<br>LTV is less than guideline maximum - .Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - .Required is 660 Borrower has 773 Required is 660 Borrower has 773 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NC | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 192 | XX |  | XX D A | Closed | FCRE5790 | 2026-04-10 10:44 | 2026-04-16 12:50 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Fraud report/Drive reflecting last score UDM 04/01/2026 within 10 days of note date 04/09/2026. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. Please see attached shows score update 04.01 is less than 10 days of NOTE Closed date 04.XX.2026. - Seller-04/14/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached shows score update 04.01 is less than 10 days of NOTE Closed date 04.09.2026. - Seller-04/14/2026<br>| Resolved-Received Fraud report/Drive reflecting last score UDM 04/01/2026 within 10 days of note date 04/XX/2026. - Due Diligence Vendor-04/16/2026 | Qualifying DTI below maximum allowed - .Required is 50 Borrower has 36.33 Required is 50 Borrower has 36.33<br>LTV is less than guideline maximum - .Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - .Required is 660 Borrower has 773 Required is 660 Borrower has 773 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NC | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 192 | XX |  | XX D A | Closed | FCRE1316 | 2026-04-10 10:25 | 2026-04-16 12:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received SD SOS 03/26/2026 verification XX is in good standing - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. Please see attached docs dated 3.XX.2026 is less than 60 days of the note 4.XX.2026 - Seller-04/14/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached docs dated 3.26.2026 is less than 60 days of the note 4.XX.2026 - Seller-04/14/2026 | Resolved-Received SD SOS 03/26/2026 verification XXX is in good standing - Due Diligence Vendor-04/16/2026 | Qualifying DTI below maximum allowed - .Required is 50 Borrower has 36.33 Required is 50 Borrower has 36.33<br>LTV is less than guideline maximum - .Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - .Required is 660 Borrower has 773 Required is 660 Borrower has 773 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NC | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 177 | XX |  | XX D B A | Closed | FCRE7347 | 2026-04-10 13:14 | 2026-04-20 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Market rent provided with ADU. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Document Uploaded. - Seller-04/17/2026 <br>Ready for Review-Document Uploaded. This is a DSCR loan, and the rental income utilized for qualification is based on the market rent provided in the appraisal.<br>The appraiser provided a Form 1007 for both the main house and the ADU, reflecting market rent of $2,500 for the main house and $2,050 for the ADU, totaling $4,050. No rental income above the appraised market rent has been used in the DSCR calculation.<br>As the income is derived from market rent and not from an executed lease agreement, there is no lease or rental receipt documentation available. Please clear this finding. - Seller-04/17/2026 <br>Open-Please provide copy of lease for subject property. Please provide proof of 2 months' receipt of rental income (required due to rent amount being over 20% above market amount). - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. - Seller-04/17/2026 <br>Ready for Review-Document Uploaded. This is a DSCR loan, and the rental income utilized for qualification is based on the market rent provided in the appraisal.<br>The appraiser provided a Form 1007 for both the main house and the ADU, reflecting market rent of $2,500 for the main house and $2,050 for the ADU, totaling $4,050. No rental income above the appraised market rent has been used in the DSCR calculation.<br>As the income is derived from market rent and not from an executed lease agreement, there is no lease or rental receipt documentation available. Please clear this finding. - Seller-04/17/2026<br>| Resolved-Market rent provided with ADU. - Due Diligence Vendor-04/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 Required is 700 Borrower has 739<br>Months Reserves exceed minimum required - 12 required, borrower has 23.82 months provided. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | WA | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 177 | XX |  | XX D B A | Closed | FCRE1440 | 2026-04-13 19:50 | 2026-04-20 14:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow 11 months for investor experience (updated 1003 and rent free letter provided). Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Document Uploaded. The borrower's primary residence is rent-free, as confirmed by the executed rent-free letter provided in the file.<br>The initial credit application reflected $500 monthly rent; however, this was a clerical error. An updated 1003 has been uploaded to correctly reflect that the borrower resides at the property rent-free.<br>Based on the corrected 1003 and supporting rent-free documentation, no verification of rent (VOR) or cancelled checks are applicable for the subject housing history. Please clear this finding. - Seller-04/17/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Please provide 12 month VOR or 12 months cancelled checks for 12 month housing history on borrower's primary residence. Credit application reflects borrower has been renting at current residence ($500/monthly) for over 2 years. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. The borrower's primary residence is rent-free, as confirmed by the executed rent-free letter provided in the file.<br>The initial credit application reflected $500 monthly rent; however, this was a clerical error. An updated 1003 has been uploaded to correctly reflect that the borrower resides at the property rent-free.<br>Based on the corrected 1003 and supporting rent-free documentation, no verification of rent (VOR) or cancelled checks are applicable for the subject housing history. Please clear this finding. - Seller-04/17/2026<br>| Waived-Originator exception granted to allow 11 months for investor experience (updated 1003 and rent free letter provided). Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 Required is 700 Borrower has 739<br>Months Reserves exceed minimum required - 12 required, borrower has 23.82 months provided. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | WA | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XX |
| 177 | XX |  | XX D B A | Closed | FCRE1205 | 2026-04-10 12:37 | 2026-04-16 11:09 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud report 04/14/2026 1000 pass added participants all ofac clear. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. Please see attached Final DV report - Loan Participant Analysis for appraiser, appraisal company, escrow company and escrow officer. No matches found. Please clear this finding. - Seller-04/14/2026 <br>Open-OFAC Check Not Completed and/or Cleared OFAC check missing, please provide - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached Final DV report - Loan Participant Analysis for appraiser, appraisal company, escrow company and escrow officer. No matches found. Please clear this finding. - Seller-04/14/2026<br>| Resolved-Received Fraud report 04/14/2026 1000 pass added participants all ofac clear. - Due Diligence Vendor-04/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 Required is 700 Borrower has 739<br>Months Reserves exceed minimum required - 12 required, borrower has 23.82 months provided. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | WA | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 198 | XX |  | XX D A | Closed | FCRE1506 | 2026-04-13 11:21 | 2026-04-20 15:46 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received PITI components of REO3a and 3c, verified no HOA on 3c. Revised 1003/1008. Audit and Lender DTI's in line. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see 1003 reflects with HOA for 3a, as well as explanation REO 3c xx mtg payment PI $1991.00 PI +$1504.19 taxes, $290.46 no hoa total $1,794.65. Please expedite this to be cleared as soon as possible - Seller-04/16/2026 <br> Ready for Review-Document Uploaded. Please see 1003 reflects No HOA for 3a, as well as explanation REO 3c xx mtg payment PI $1991.00 PI +$1504.19 taxes, $290.46 no hoa total $1,794.65 - Seller-04/16/2026 <br> Counter-pending docs - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. Please see attached supporting docs for: 3a. XX \*\* see HOA $696.95 paid to XXand 3c. XX(Inv) PITI (No HOA) per credit report XX mtg $356,712 / $1,991 Taxes $1,504.19, HOI $290.46, No HOA per Property profile attached shows SFR land use and not in a community. Please expedite this to be cleared as soon as possible - Seller-04/14/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Upon receipt of conditions the ATR/QM will be reviewed and determined. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. Please see 1003 reflects with HOA for 3a, as well as explanation REO 3c XX mtg payment PI $1991.00 PI +$1504.19 taxes, $290.46 no hoa total $1,794.65. Please expedite this to be cleared as soon as possible - Seller-04/16/2026 <br> Ready for Review-Document Uploaded. Please see 1003 reflects No HOA for 3a, as well as explanation REO 3c XX mtg payment PI $1991.00 PI +$1504.19 taxes, $290.46 no hoa total $1,794.65 - Seller-04/16/2026 <br> Ready for Review-Document Uploaded. Please see attached supporting docs for: 3a. XX (Inv) \*\* see HOA $696.95 paid to XX Ownership Association and 3c. XX (Inv) PITI (No HOA) per credit report XX mtg $356,712 / $1,991 Taxes $1,504.19, HOI $290.46, No HOA per Property profile attached shows SFR land use and not in a community. Please expedite this to be cleared as soon as possible - Seller-04/14/2026 | Resolved-Received PITI components of REO3a and 3c, verified no HOA on 3c. Revised 1003/1008. Audit and Lender DTI's in line. - Due Diligence Vendor-04/20/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 18.49 Required is 50 Borrower has 18.49<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 50 Required is 85 Borrower has 50<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 786 Required is 660 Borrower has 786 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 198 | XX |  | XX D A | Closed | FCRE7497 | 2026-04-13 11:29 | 2026-04-20 15:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received revised 1003/1008. 3c TI $1,794.64 - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Please see 1003 reflects with HOA for 3a, as well as explanation REO 3c XX mtg payment PI $1991.00 PI +$1504.19 taxes, $290.46 no hoa total $1,794.65. Please expedite this to be cleared as soon as possible - Seller-04/16/2026 <br> Ready for Review-Document Uploaded. Please see 1003 reflects No HOA for 3a, as well as explanation REO 3c XX mtg payment PI $1991.00 PI +$1504.19 taxes, $290.46 no hoa total $1,794.65. Please expedite this to be cleared as soon as possible - Seller-04/16/2026 <br> Counter-Received verification of HOA for 3a, as well as explanation REO 3c xx mtg payment PI $1991.00 PI +$1504.19 taxes, $290.46 no hoa total $1,794.64. Final 1003 3c reflects monthly insurance, Taxes and Association dues $1,904.19. Condition pending receipt of revised 1003 that mirrors 3c actual PITI components. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. Please see attached supporting docs for: 3a. XX(Inv) \*\* see HOA $696.95 paid toXXOwnership Association and 3c. XX(Inv) PITI (No HOA) per credit report XX mtg $356,712 / $1,991 Taxes $1,504.19, HOI $290.46, No HOA per Property profile attached shows SFR land use and not in a community. Please expedite this to be cleared as soon as possible - Seller-04/14/2026 <br> Open-Missing for the properties the following: 3a missing HOA and 3c the Mortgage statement and proof that the monthly HOI, Taxs and HOA, etc of $1904.19/mth. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/13/2026 | Ready for Review-Please see 1003 reflects with HOA for 3a, as well as explanation REO 3c xx mtg payment PI $1991.00 PI +$1504.19 taxes, $290.46 no hoa total $1,794.65. Please expedite this to be cleared as soon as possible - Seller-04/16/2026 <br> Ready for Review-Document Uploaded. Please see 1003 reflects No HOA for 3a, as well as explanation REO 3c xx mtg payment PI $1991.00 PI +$1504.19 taxes, $290.46 no hoa total $1,794.65. Please expedite this to be cleared as soon as possible - Seller-04/16/2026 <br> Ready for Review-Document Uploaded. Please see attached supporting docs for: 3a. XX (Inv) \*\* see HOA $696.95 paid to VXX Ownership Association and 3c. XX (Inv) PITI (No HOA) per credit report xx mtg $356,712 / $1,991 Taxes $1,504.19, HOI $290.46, No HOA per Property profile attached shows SFR land use and not in a community. Please expedite this to be cleared as soon as possible - Seller-04/14/2026 | Resolved-Received revised 1003/1008. 3c TI $1,794.64 - Due Diligence Vendor-04/20/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 18.49 Required is 50 Borrower has 18.49<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 50 Required is 85 Borrower has 50<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 786 Required is 660 Borrower has 786 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 182 | XX |  | XX D A | Closed | FPRO9999 | 2026-04-13 09:20 | 2026-04-17 10:30 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-received documentation to support all litigation has been closed or settled. The case that has reached a settlement(XXX) states the settlement will be paid by the associations insurance company. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached snippet of the judgment regarding the condo litigation on page 46 of 449 of the condo full review. The previously disclosed litigation involving the HOA has been fully resolved and is no longer pending and these documents were uploaded to your system. <br> Per the court docket (pg. 46 of 449), entries dated 07/30/2025 reflect:<br> • Order of Dismissal (Judgment) <br> • Voluntary Dismissal WITH PREJUDICE <br> A dismissal with prejudice confirms the case has been permanently closed and cannot be refiled. Therefore, the litigation is considered finalized with no ongoing liability or impact to the project.<br> Accordingly, the project does not have active or pending litigation. Please clear this invalid finding.<br> - Seller-04/14/2026 <br> Open-The condo project has pending litigation. The case involves an allegation that the plaintiff tripped and fell while jogging in the common area walkway due to "alleged" uneven sidewalk (see pg. 426). The lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. The amount disclosed in the lawsuit was $50,000. The file does not indicate insurance will cover the amount. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. Please see attached snippet of the judgment regarding the condo litigation on page 46 of 449 of the condo full review. The previously disclosed litigation involving the HOA has been fully resolved and is no longer pending and these documents were uploaded to your system. <br> Per the court docket (pg. 46 of 449), entries dated 07/30/2025 reflect:<br> • Order of Dismissal (Judgment) <br> • Voluntary Dismissal WITH PREJUDICE <br> A dismissal with prejudice confirms the case has been permanently closed and cannot be refiled. Therefore, the litigation is considered finalized with no ongoing liability or impact to the project.<br> Accordingly, the project does not have active or pending litigation. Please clear this invalid finding.<br> - Seller-04/14/2026<br>| Resolved-received documentation to support all litigation has been closed or settled. The case that has reached a settlement(XXX) states the settlement will be paid by the associations insurance company. - Due Diligence Vendor-04/17/2026 | Credit history exceeds minimum required - Credit history exceeds minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 737<br>Months Reserves exceed minimum required - Months Reserves exceed minimum required |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | XX |
| 182 | XX |  | XX D A | Closed | FCRE6019 | 2026-04-10 17:50 | 2026-04-16 13:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Perm Res card with I751 indicating extend perm res card for 48 months from the date of expiration. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. The borrower's Permanent Resident Card (Green Card) expired on 03/09/2025. Prior to expiration, the borrower timely filed Form I-751 (Petition to Remove Conditions on Residence) with USCIS.<br> The file includes USCIS documentation confirming the I-751 filing and automatic extension of conditional permanent resident status for 48 months from the Green Card expiration date. This extension allows the borrower to remain lawfully present in the United States and continue employment authorization during the extension period, when presented with the expired Green Card.<br> The borrower maintains valid lawful permanent resident status under USCIS extension provisions associated with the pending I-751 petition.<br> Based on the documentation provided, the borrower meets Non-QM investor guidelines for lawful permanent resident status verification, as the expired Green Card is supported by a valid USCIS-issued extension tied to the I-751 filing. Please clear this finding. - Seller-04/14/2026 <br>Open-Borrower Citizenship Documentation Is Missing Residence card expired on 03/09/2025 - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. The borrower's Permanent Resident Card (Green Card) expired on 03/09/2025. Prior to expiration, the borrower timely filed Form I-751 (Petition to Remove Conditions on Residence) with USCIS.<br> The file includes USCIS documentation confirming the I-751 filing and automatic extension of conditional permanent resident status for 48 months from the Green Card expiration date. This extension allows the borrower to remain lawfully present in the United States and continue employment authorization during the extension period, when presented with the expired Green Card.<br> The borrower maintains valid lawful permanent resident status under USCIS extension provisions associated with the pending I-751 petition.<br> Based on the documentation provided, the borrower meets Non-QM investor guidelines for lawful permanent resident status verification, as the expired Green Card is supported by a valid USCIS-issued extension tied to the I-751 filing. Please clear this finding. - Seller-04/14/2026<br>| Resolved-Received Perm Res card with I751 indicating extend perm res card for 48 months from the date of expiration. - Due Diligence Vendor-04/16/2026<br>| Credit history exceeds minimum required - Credit history exceeds minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 737<br>Months Reserves exceed minimum required - Months Reserves exceed minimum required |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | XX |
| 182 | XX |  | XX D A | Closed | FCRE1440 | 2026-04-10 17:45 | 2026-04-16 13:31 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR 0x30. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. Please see attached VOR for primary residence that was uploaded to your system. Please clear this finding. - Seller-04/14/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide a 12 month satisfactory rental housing history for the borrower's primary residence. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached VOR for primary residence that was uploaded to your system. Please clear this finding. - Seller-04/14/2026<br>| Resolved-Received VOR 0x30. - Due Diligence Vendor-04/16/2026<br>| Credit history exceeds minimum required - Credit history exceeds minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 737<br>Months Reserves exceed minimum required - Months Reserves exceed minimum required |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | XX |
| 182 | XX |  | XX D A | Closed | FCRE3091 | 2026-04-10 17:06 | 2026-04-16 13:21 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-Received Certs of insurance with effective dates from 03/24/2026 through 03/24/2027. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. Please see attached Master Insurance Policy with an expiry date of 3-24-27 which was uploaded to your system. Please clear this finding. - Seller-04/14/2026 <br>Open-Master Policy Expiration Date of 03-24-2026 is Prior To the Transaction Date of 04-03-2026 Master Policy Expiration Date is Prior To the Note Date. Provided updated master policy. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached Master Insurance Policy with an expiry date of 3-XX-27 which was uploaded to your system. Please clear this finding. - Seller-04/14/2026 | Resolved-Received Certs of insurance with effective dates from 03/XX/2026 through 03/XX/2027. - Due Diligence Vendor-04/16/2026 | Credit history exceeds minimum required - Credit history exceeds minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 737<br>Months Reserves exceed minimum required - Months Reserves exceed minimum required |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | XX |
| 197 | XX |  | XX D A | Closed | FCRE0197 | 2026-04-21 09:30 | 2026-05-05 12:46 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received seller closing statement reflecting payoff of lien #17 in TC as well as discharges for liens #15 & #16. - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. Please see attached documentation to support both liens had been discharged. - Seller-05/01/2026 <br> Counter-Final combined Settlement Statement provide, however Commitment is reflecting 3 mortgages and only one mortgage was paid at closing. Please provide documentation to support the 2 other liens have been paid in full at or prior to closing. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Please see attached. - Seller-04/29/2026 <br> Counter-Received 5 page document including Alta and Seller CD for closing dated 04/XX/2026 property address not the subject property. Condition remains pending receipt of Seller CD for subject property. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/29/2026 <br> Open-The Final SELLER CD/HUD is missing. Provided executed seller CD/Hud. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. Please see attached documentation to support both liens had been discharged. - Seller-05/01/2026 <br>Ready for Review-Please see attached. - Seller-04/29/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/29/2026<br>| Resolved-Received seller closing statement reflecting payoff of lien #17 in TC as well as discharges for liens #15 & #16. - Due Diligence Vendor-05/05/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 703 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | RI | Investment | Purchase | NA | N/A | N/A | XX |
| 197 | XX |  | XX D A | Closed | FCOM1220 | 2026-04-21 08:02 | 2026-04-29 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received complete security instrument inclusive of legal description, date and amount mirror Note in file. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/27/2026 <br> Open-The Deed of Trust is Missing Provided executed correct mortgage and missing legal description. Executed DOT in file is for a different property. DOT associated with property is not executed and is dated 04/XX/2026, while the Note & Final 1003 are dated 04/10/2026. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/27/2026<br>| Resolved-Received complete security instrument inclusive of legal description, date and amount mirror Note in file. - Due Diligence Vendor-04/29/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 703 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | RI | Investment | Purchase | NA | N/A | N/A | XX |
| 197 | XX |  | XX D A | Closed | FCRE1116 | 2026-04-21 11:51 | 2026-04-29 11:44 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date does not equal Note Date | Resolved-Received Security Instrument, Date matches Note Date - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/27/2026 <br> Open-Security Instrument Date does not match the Note Date Unexecuted mortgage date is 4/XX/26 which does not match the Note date. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/27/2026<br>| Resolved-Received Security Instrument, Date matches Note Date - Due Diligence Vendor-04/29/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 703 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | RI | Investment | Purchase | NA | N/A | N/A | XX |
| 183 | XX |  | XX D A | Closed | FCRE7497 | 2026-04-13 20:17 | 2026-05-01 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA validation for primary residence. - Due Diligence Vendor-05/01/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/30/2026 <br>Open-Missing documentation which confirms borrower's primary residence association fees; this property is a condo. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/30/2026<br>| Resolved-Received HOA validation for primary residence. - Due Diligence Vendor-05/01/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731<br>Months Reserves exceed minimum required - Reserves: 23 Min 6<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $75,818.93 Min. $1500 <br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.53 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | XX |
| 183 | XX |  | XX D A | Closed | FCRE1151 | 2026-04-13 17:00 | 2026-05-01 14:40 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-05/01/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/30/2026 <br>Open-Unsatisfactory Chain of Title provided. Missing full 24 Month Chain of Title. Title agent provided 03.16.26 memoranda stating title to 06.30.25 but does not define it as a 24 month chain of title so essentially covers less than 24 months, as well as the deeds provided. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/30/2026<br>| Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-05/01/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731<br>Months Reserves exceed minimum required - Reserves: 23 Min 6<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $75,818.93 Min. $1500 <br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.53 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | FL | Investment | Purchase | NA | N/A | N/A | XX |
| 188 | XX |  | XX C B A | Closed | FCRE1441 | 2026-04-14 13:56 | 2026-04-20 16:02 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Delinquent Credit History Meets Guideline Requirements - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. See attached. - Seller-04/16/2026 <br> Counter-Despite property being sold, still require to review and evaluate whether the modification resulting in any of the attributes listed in the guidelines 4.10 is subject to housing event seasoning referred to in the matrix for the program. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Please see attached documentation to support XX is the same as XX which was Sold as indicated on the final 1003. Both the XX mtg ending XX and XX mtg ending #XX have been paid off with the sale proceeds. - Seller-04/15/2026 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements B1 REO 3a XX mtg ending XX and XX mtg ending #XX mortgage statements both show deferred balances. Missing a copy of the modification agreements to ensure they meet modification guideline requirements. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. See attached. - Seller-04/16/2026 <br> Ready for Review-Please see attached documentation to support XX is the same as XXwhich was Sold as indicated on the final 1003. Both the XX mtg ending XX and XX mtg ending #XX have been paid off with the sale proceeds. - Seller-04/15/2026 | Resolved-Delinquent Credit History Meets Guideline Requirements - Due Diligence Vendor-04/20/2026<br>| Months Reserves exceed minimum required - 38 available, 6 required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 705 Required is 680 Borrower has 705<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 49.7 Required is 85 Borrower has 49.7<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 44.11 Required is 50 Borrower has 44.11<br>On time mortgage history exceeds guideline requirement - On time 17+ years reporting. |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 188 | XX |  | XX C B A | Closed | FCRE1294 | 2026-04-14 13:11 | 2026-04-20 15:58 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Short term rental documentation was provided. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Over 12 months of income is documented in the previously attached document. Please escalate and clear this finding. - Seller-04/16/2026 <br>Open-Income 3 Months Income Verified is Missing - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. Please see attached 12 month lookback. - Seller-04/15/2026 <br>Open-Income 3 Months Income Verified is Missing Missing proof of the rental income of the 12 month lookback for property 3b (XX short term). Upon receipt additional information maybe required. Audit used stated figures on the 1003 at initial review. - Due Diligence Vendor-04/14/2026 | Ready for Review-Over 12 months of income is documented in the previously attached document. Please escalate and clear this finding. - Seller-04/16/2026 <br>Ready for Review-Document Uploaded. Please see attached 12 month lookback. - Seller-04/15/2026<br>| Resolved-Short term rental documentation was provided. - Due Diligence Vendor-04/20/2026<br>| Months Reserves exceed minimum required - 38 available, 6 required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 705 Required is 680 Borrower has 705<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 49.7 Required is 85 Borrower has 49.7<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 44.11 Required is 50 Borrower has 44.11<br>On time mortgage history exceeds guideline requirement - On time 17+ years reporting. |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 188 | XX |  | XX C B A | Closed | FCRE1295 | 2026-04-14 13:11 | 2026-04-20 15:58 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 4 Months Income Verified is Missing | Resolved-Received LOX XXo is same as XX, zoning rules triggered address change due to location of front door 2007 remodel. Property sold XX. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. Please see attached documentation to support XX is the same as XX which was Sold as indicated on the final 1003. Proof of taxes and insurance are not required on a sold property nor do they need to be added to the DTI. - Seller-04/15/2026 <br> Open-Income 4 Months Income Verified is Missing Missing proof of taxes and insurance for XX which was not listed on the final 1003 but there are mortgage statements in the file. Mortgages were paid off with proceeds from the sale of another property. Will need to be added to DTI. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. Please see attached documentation to support XX is the same as XX which was Sold as indicated on the final 1003. Proof of taxes and insurance are not required on a sold property nor do they need to be added to the DTI. - Seller-04/15/2026 | Resolved-Received LOX XX is same as XX, zoning rules triggered address change due to location of front door 2007 remodel. Property sold XX. - Due Diligence Vendor-04/16/2026 | Months Reserves exceed minimum required - 38 available, 6 required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 705 Required is 680 Borrower has 705<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 49.7 Required is 85 Borrower has 49.7<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 44.11 Required is 50 Borrower has 44.11<br>On time mortgage history exceeds guideline requirement - On time 17+ years reporting. |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 188 | XX |  | XX C B A | Closed | FCRE1506 | 2026-04-14 12:58 | 2026-04-16 17:12 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Condition linked to receipt of rental income for 3b. Report for income $126,131.60 - total expenses $61,400.45 = $64,731.60 / 12 = $5394.30 supports lender figure. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/15/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing proof of the rental income of the 12 month lookback for property 3b (XX short term). Upon receipt additional information maybe required. Audit used stated figures on the 1003 at initial review. - Due Diligence Vendor-04/14/2026 | Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/15/2026<br>| Resolved-Condition linked to receipt of rental income for 3b. Report for income $126,131.60 - total expenses $61,400.45 = $64,731.60 / 12 = $5394.30 supports lender figure. - Due Diligence Vendor-04/16/2026<br>| Months Reserves exceed minimum required - 38 available, 6 required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 705 Required is 680 Borrower has 705<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 49.7 Required is 85 Borrower has 49.7<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 44.11 Required is 50 Borrower has 44.11<br>On time mortgage history exceeds guideline requirement - On time 17+ years reporting. |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 188 | XX |  | XX C B A | Closed | FCRE0095 | 2026-04-14 13:14 | 2026-04-16 17:04 | Resolved | 1 - Information C A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-Received 2025 year end report income $126,131.60 - total expenses $61,400.45 = $64,731.60 / 12 = $5394.30 supports lender figure. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. Please see attached 12 month lookback. - Seller-04/15/2026 <br>Open-Per exception, XX 12 month look back period to qualify with rental income for REO 3B on a full doc loan. However, the XX is missing from the file, exception remains open until this is received and calculated. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. Please see attached 12 month lookback. - Seller-04/15/2026<br>| Resolved-Received 2025 year end report income $126,131.60 - total expenses $61,400.45 = $64,731.60 / 12 = $5394.30 supports lender figure. - Due Diligence Vendor-04/16/2026<br>| Months Reserves exceed minimum required - 38 available, 6 required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 705 Required is 680 Borrower has 705<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 49.7 Required is 85 Borrower has 49.7<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 44.11 Required is 50 Borrower has 44.11<br>On time mortgage history exceeds guideline requirement - On time 17+ years reporting. | Comp Factors:<br> - 44 months reserves<br> - 20 yrs employed<br> - 0X30X24 | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 188 | XX |  | XX C B A | Closed | finding-3652 | 2026-04-13 16:03 | 2026-04-16 09:23 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. There was a lock done on 3/12- LE uploaded<br> There was a program change on 3/17- LE uploaded<br> There was an ACH decline on 3/26- LE uploaded<br> There was a program change on 3/27- CD uploaded<br> There was an interest rate change on 4/2- CD uploaded- lender credit $5148 - Seller-04/15/2026 <br>Open-This loan failed the lender credits that cannot decrease 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). The final sum of specific and non-specific lender credits ($5,148.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($9,026.00). 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). -----Lender credit decreased from $9026.00 to $5148.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $3878.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is 04/03/2029. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. There was a lock done on 3/12- LE uploaded<br> There was a program change on 3/17- LE uploaded<br> There was an ACH decline on 3/26- LE uploaded<br> There was a program change on 3/27- CD uploaded<br> There was an interest rate change on 4/2- CD uploaded- lender credit $5148 - Seller-04/15/2026<br>| Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/16/2026<br>| Months Reserves exceed minimum required - 38 available, 6 required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 705 Required is 680 Borrower has 705<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 49.7 Required is 85 Borrower has 49.7<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 44.11 Required is 50 Borrower has 44.11<br>On time mortgage history exceeds guideline requirement - On time 17+ years reporting. |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 188 | XX |  | XX C B A | Closed | FCOM1301 | 2026-04-13 14:39 | 2026-04-13 20:59 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026<br>| Months Reserves exceed minimum required - 38 available, 6 required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 705 Required is 680 Borrower has 705<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 49.7 Required is 85 Borrower has 49.7<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 44.11 Required is 50 Borrower has 44.11<br>On time mortgage history exceeds guideline requirement - On time 17+ years reporting. |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | Originator Post-Close | No | XX |
| 181 | XX |  | XX D A | Closed | FCRE2663 | 2026-04-14 11:20 | 2026-05-01 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Application | Resolved-Received 1003 reflecting citizenship - Due Diligence Vendor-05/01/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/30/2026 <br>Open-Borrower #2 application missing US residency status. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/30/2026<br>| Resolved-Received 1003 reflecting citizenship - Due Diligence Vendor-05/01/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | MO | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XX |
| 184 | XX |  | XX C B A | Closed | FCRE1148 | 2026-04-14 19:52 | 2026-04-17 14:37 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received supplemental title report dated 04/02/2026 reflecting loan amount $XX - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/16/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Supplemental report provided is for a loan amount of XX. Subject Lien Loan amount is XX - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/16/2026<br>| Resolved-Received supplemental title report dated 04/XX/2026 reflecting loan amount $XX - Due Diligence Vendor-04/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 738 Required is 680 Borrower has 738<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 70.97 Required is 80 Borrower has 70.97<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.26 Required is 50 Borrower has 37.26 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XX |
| 184 | XX |  | XX C B A | Closed | finding-3540 | 2026-04-13 17:07 | 2026-04-16 09:07 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Borrower received at closing. Finding Resolved. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. See attached - Seller-04/15/2026 <br>Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. See attached - Seller-04/15/2026<br>| Resolved-Borrower received at closing. Finding Resolved. - Due Diligence Vendor-04/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 738 Required is 680 Borrower has 738<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 70.97 Required is 80 Borrower has 70.97<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.26 Required is 50 Borrower has 37.26 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XX |
| 184 | XX |  | XX C B A | Closed | finding-3634 | 2026-04-13 17:07 | 2026-04-16 09:07 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. A COC was done for the cost of the $117 and a cure was done for the $121.50 for the CR fee- see attached COC and CD - Seller-04/15/2026 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $238.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. A COC was done for the cost of the $117 and a cure was done for the $121.50 for the CR fee- see attached COC and CD - Seller-04/15/2026<br>| Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 738 Required is 680 Borrower has 738<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 70.97 Required is 80 Borrower has 70.97<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.26 Required is 50 Borrower has 37.26 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XX |
| 184 | XX |  | XX C B A | Closed | FCOM1353 | 2026-04-13 15:50 | 2026-04-13 15:50 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 738 Required is 680 Borrower has 738<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 70.97 Required is 80 Borrower has 70.97<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.26 Required is 50 Borrower has 37.26 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XX |
| 168 | XX |  | XX C A | Closed | FCRE1198 | 2026-04-14 19:24 | 2026-04-17 11:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received updated bank history for XX that was added to the account - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached XXX funds docs, appears to not have been provided - Seller-04/15/2026 <br> Open-Audited Reserves of 1.73 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. Please see attached XXbank funds docs, appears to not have been provided - Seller-04/15/2026 | Resolved-Received updated bank history for XX that was added to the account - Due Diligence Vendor-04/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 732 Required is 680 Borrower has 732<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Purchase | NA | N/A | N/A | XX |
| 168 | XX |  | XX C A | Closed | FCRE1440 | 2026-04-15 10:16 | 2026-04-17 11:19 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received fully executed VOR with satisfactory payment history. Housing History Meets Guideline Requirements - Due Diligence Vendor-04/17/2026 <br>Ready for Review-Document Uploaded. Please see attached verified VOR with no lates - Seller-04/15/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing 12 month housing history for the primary residence. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Please see attached verified VOR with no lates - Seller-04/15/2026<br>| Resolved-Received fully executed VOR with satisfactory payment history. Housing History Meets Guideline Requirements - Due Diligence Vendor-04/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 732 Required is 680 Borrower has 732<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Purchase | NA | N/A | N/A | XX |
| 189 | XX |  | XX D A | Closed | FCRE1440 | 2026-04-16 10:06 | 2026-04-20 16:08 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History was provided. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Lender notes 3b XX, was recently purchased 7.2025. See Note copy shows 9.2025 as first payment. See initial mortgage $400,000 credit report as XXMtg ACCOUNT XX Bal $XX, RATED 3MONTHS then XX welcome letter states Mtg is being transferred to XX Mortgage shows payments due 11.1.2025. mtg stmts through 4.1 payment due - Seller-04/16/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Property 3b: Provide missing 12 month satisfactory mortgage history. Additional conditions may apply. - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. Lender notes 3b REO 8XX, was recently purchased 7.2025. See Note copy shows 9.2025 as first payment. See initial mortgage $400,000 credit report as XXACCOUNT XX Bal $400,000, RATED 3MONTHS then XX welcome letter states Mtg is being transferred to XX Mortgage shows payments due 11.1.2025. mtg stmts through 4.1 payment due - Seller-04/16/2026 | Resolved-Housing History was provided. - Due Diligence Vendor-04/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 771<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.55 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XX |
| 189 | XX |  | XX D A | Closed | FCRE1325 | 2026-04-16 09:26 | 2026-04-20 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-CPA letter provided. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/16/2026 <br>Open-Borrower 1 CPA Letter Missing Provide missing CPA Letter verifying borrower's percentage of ownership and length of time in business. - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/16/2026<br>| Resolved-CPA letter provided. - Due Diligence Vendor-04/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 771<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.55 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XX |
| 179 | XX |  | XX C B A | Closed | finding-3526 | 2026-04-15 12:30 | 2026-04-21 08:04 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Received doc tracking for borrower receipt of LE's. Finding Resolved. - Due Diligence Vendor-04/21/2026 <br>Ready for Review-Document Uploaded. Borrower did not sign the CD issued 3/19 - attached is proof it was sent to the borrower <br> Borrower did not sign the CD issued 4/1 - attached is proof it was sent to the borrower - Seller-04/20/2026 <br>Counter-We are missing either singed, esigned or borrower receipt of the LE 03/09/2026 and 04/01/2026. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Document Uploaded. See attached and advise - Seller-04/17/2026 <br>Open-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))The 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; orThe 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; orThe 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. ----- This loan failed the revised loan estimate delivery date test (prior to consummation) due to the revised loan estimate delivery date is not provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the presument 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, There is no cure for this violatrion. Statute of Limitations 1 year, expiration date 04/07/2027.<br> - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Borrower did not sign the CD issued 3/19 - attached is proof it was sent to the borrower <br> Borrower did not sign the CD issued 4/1 - attached is proof it was sent to the borrower - Seller-04/20/2026 <br>Ready for Review-Document Uploaded. See attached and advise - Seller-04/17/2026<br>| Resolved-Received doc tracking for borrower receipt of LE's. Finding Resolved. - Due Diligence Vendor-04/21/2026<br>| Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 17.23%. Required is 50 Borrower has 17.23<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 705. Required is 680 Borrower has 705 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XX |
| 179 | XX |  | XX C B A | Closed | FCRE6618 | 2026-04-20 14:10 | 2026-04-20 14:11 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received updated 1003 and 1008 - Due Diligence Vendor-04/20/2026 <br>Open-The Final 1003 is Incomplete Provide updated Final 1003 with corrected income/employment to corroborate the 1008/bank statement income worksheets in file. Additional conditions may apply. - Due Diligence Vendor-04/20/2026 |  | Resolved-Received updated 1003 and 1008 - Due Diligence Vendor-04/20/2026<br>| Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 17.23%. Required is 50 Borrower has 17.23<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 705. Required is 680 Borrower has 705 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XX |
| 179 | XX |  | XX C B A | Closed | FCOM1353 | 2026-04-15 14:38 | 2026-04-15 14:38 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material finding. - Due Diligence Vendor-04/15/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material finding. - Due Diligence Vendor-04/15/2026<br>| Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 17.23%. Required is 50 Borrower has 17.23<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 705. Required is 680 Borrower has 705 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XX |
| 196 | XX |  | XX C A | Closed | FCRE1198 | 2026-04-16 14:32 | 2026-05-05 14:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received March XX statement, reserves are now 30 months - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. - Seller-05/04/2026 <br> Ready for Review-Document Uploaded. Please see attached XX Bank Statement #XX 2-28 to 3-31-26 showing ending balance of $166,861.80. No issues found. Please clear this finding. <br> - Seller-05/04/2026 <br> Open-Audited Reserves of 5.17 month(s) are less than Guideline Required Reserves of 6 month(s) Provide additional assets to meet 6m reserve requirements.<br>- Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. - Seller-05/04/2026 <br> Ready for Review-Document Uploaded. Please see attached XX Bank Statement #XX 2-28 to 3-31-26 showing ending balance of $166,861.80. No issues found. Please clear this finding. <br> - Seller-05/04/2026 | Resolved-Received March XX statement, reserves are now 30 months - Due Diligence Vendor-05/05/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 49.84<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 3.72 |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XX |
| 176 | XX |  | XX C B A | Closed | FCRE1440 | 2026-04-16 18:03 | 2026-04-21 11:02 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Private Lending acctXX statement of acct which reflects payments since origination 06/2025 first due 08/2025 through 02/2026. Payoff reflects next due 05/2026 and demand interest for < 1 month. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please see attached Private Lending Mortgage #XX Statement dated 2-09-26 that was uploaded to your system. Please clear this finding. - Seller-04/17/2026 <br> Open-Housing History Does Not Meet Guideline Requirements . Missing 12 months history VOM for the subject REO with Private Lending acct#XX. Additional findings may apply. - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. Please see attached XX Statement dated 2-XX-26 that was uploaded to your system. Please clear this finding. - Seller-04/17/2026 | Resolved-Received Private Lending acct XX statement of acct which reflects payments since origination 06/2025 first due 08/2025 through 02/2026. Payoff reflects next due 05/2026 and demand interest for < 1 month. - Due Diligence Vendor-04/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 660; Borrower has 710.<br> Required is 660 Borrower has 710<br>Months Reserves exceed minimum required - 30 months reserves; 6 months reserves required. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | WV | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 176 | XX |  | XX C B A | Closed | FCRE0184 | 2026-04-16 18:12 | 2026-04-17 10:47 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-upon further review reason for cash out is in file, Cash out letter is not required - Due Diligence Vendor-04/17/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Missing Cash-out Letter or BP Cert reflecting the reason for the use of cashout. - Due Diligence Vendor-04/16/2026 |  | Resolved-upon further review reason for cash out is in file, Cash out letter is not required - Due Diligence Vendor-04/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 660; Borrower has 710.<br> Required is 660 Borrower has 710<br>Months Reserves exceed minimum required - 30 months reserves; 6 months reserves required. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | WV | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 176 | XX |  | XX C B A | Closed | FCRE1200 | 2026-04-15 15:41 | 2026-04-16 18:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator Exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/16/2026 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $XX Per XXNOO matrix, minimum loan amount is $XX. Subject loan amount of $XX does not qualify.<br> Originator Exception granted and in file, waiver applied with comp factors.<br> - Due Diligence Vendor-04/15/2026 |  | Waived-Originator Exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-04/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 660; Borrower has 710.<br> Required is 660 Borrower has 710<br>Months Reserves exceed minimum required - 30 months reserves; 6 months reserves required. | -Qualifying FICO is at least 20 points above min.<br> - DSCR greater than 1.20% | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | WV | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XX |
| 190 | XX |  | XX D B A C | Closed | FCRE1506 | 2026-04-17 09:25 | 2026-04-20 14:26 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing income/employment documentation. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/17/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. missing CTEC Letter verifying percentage of ownership and length of time in business. License check in file indicates a CTEC letter but no letter was found. - Due Diligence Vendor-04/17/2026 | Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/17/2026<br>| Resolved-Received missing income/employment documentation. - Due Diligence Vendor-04/20/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 50.85<br>Qualifying FICO score is at least 20 points above minimum for program - not used Required is 680 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.93 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 190 | XX |  | XX D B A C | Closed | FCRE1316 | 2026-04-17 08:15 | 2026-04-20 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received CTEC letter and CTEC verification. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/17/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide missing CTEC Letter verifying percentage of ownership and length of time in business. License check in file indicates a CTEC letter but no letter was found. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/17/2026<br>| Resolved-Received CTEC letter and CTEC verification. - Due Diligence Vendor-04/20/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 50.85<br>Qualifying FICO score is at least 20 points above minimum for program - not used Required is 680 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.93 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 190 | XX |  | XX D B A C | Closed | FCRE1325 | 2026-04-17 08:15 | 2026-04-20 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CTEC letter and CTEC verification. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/17/2026 <br>Open-Borrower 1 CPA Letter Missing Provide missing CTEC Letter verifying percentage of ownership and length of time in business. License check in file indicates a CTEC letter but no letter was found. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/17/2026<br>| Resolved-Received CTEC letter and CTEC verification. - Due Diligence Vendor-04/20/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 50.85<br>Qualifying FICO score is at least 20 points above minimum for program - not used Required is 680 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.93 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 190 | XX |  | XX D B A C | Closed | finding-47 | 2026-04-15 11:27 | 2026-04-20 09:08 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD 04/17/2026. Finding Resolved. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Document Uploaded. UPLOADED - Seller-04/17/2026 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-04/17/2026<br>| Resolved-Received PCCD 04/17/2026. Finding Resolved. - Due Diligence Vendor-04/20/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 50.85<br>Qualifying FICO score is at least 20 points above minimum for program - not used Required is 680 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.93 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 190 | XX |  | XX D B A C | Closed | FCOM1301 | 2026-04-15 14:04 | 2026-04-15 14:04 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/15/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/15/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 50.85<br>Qualifying FICO score is at least 20 points above minimum for program - not used Required is 680 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.93 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XX |
| 175 | XX |  | XX D A | Closed | FCRE1252 | 2026-04-15 17:55 | 2026-04-21 15:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received revised schedule A reflecting proposed insured. - Due Diligence Vendor-04/21/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/20/2026 <br>Open-Title Document is Incomplete-Missing copy of the Title Supplement reflecting vesting is in an LLC. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/20/2026<br>| Resolved-Received revised schedule A reflecting proposed insured. - Due Diligence Vendor-04/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 679<br>DSCR % greater than 1.20 - Required is 0 Borrower has 1.516<br>LTV is less than guideline maximum - Required is 80 Borrower has 70<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.516 Required is 0 Borrower has 1.516 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NC | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 185 | XX |  | XX C A | Closed | finding-3652 | 2026-04-15 12:03 | 2026-04-21 07:57 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received copy of lock extension. Finding Resolved. - Due Diligence Vendor-04/21/2026 <br>Ready for Review-Document Uploaded. There was a lock extension done on 4/7. A COC form was not done, but the change was captured on the final CD. See attached lock - Seller-04/20/2026 <br>Open-This loan failed the lender credits that cannot decrease 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). The final sum of specific and non-specific lender credits ($14,968.88) does not exceed or equal the comparable sum of specific and non-specific lender credits ($15,849.00). 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). --------Lender credit decreased from $15,849.00 to $14,968.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $880.12, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is 04/09/2029. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. There was a lock extension done on 4/7. A COC form was not done, but the change was captured on the final CD. See attached lock - Seller-04/20/2026<br>| Resolved-Received copy of lock extension. Finding Resolved. - Due Diligence Vendor-04/21/2026<br>| Qualifying DTI below maximum allowed - DTI of 20.57% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 20.57<br>LTV is less than guideline maximum - LTV of 80% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 768 which exceeds the minimum of 660 Required is 660 Borrower has 768 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | NV | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XX |
| 185 | XX |  | XX C A | Closed | FCOM0013 | 2026-04-15 11:35 | 2026-04-21 07:56 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/21/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/20/2026 <br>Open-Missing e-Consent. Missing e-Consent in file - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/20/2026<br>| Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/21/2026<br>| Qualifying DTI below maximum allowed - DTI of 20.57% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 20.57<br>LTV is less than guideline maximum - LTV of 80% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 768 which exceeds the minimum of 660 Required is 660 Borrower has 768 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | NV | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XX |
| 195 | XX |  | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 186 | XX |  | XX D A | Closed | FCRE1158 | 2026-04-20 12:36 | 2026-04-21 16:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-04/21/2026 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Provide final HOI statement vs Binder statement. (The statement in file is a Binder and per Lender Approval, the final HOI statement must be provided prior to closing). - Due Diligence Vendor-04/20/2026 |  | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-04/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 754 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | MA | Primary Residence | Purchase | NA | N/A | N/A | XX |

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## Exhibit 99.7

**Exhibit 99.7 Schedule 6**

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| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| 172 | XX |  | XX | XX | XX | 12 Month Bank Statement | Present | No | 0 | 4950 | Appraisal - 1025 |  | N/A |  |  | 4950 | Appraisal - 1025 | No | 80.67 | 0 | 0 | 3993.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4950 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 83.24 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| 169 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3500 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 94.2 | 1.062 | 1.062 | 3108.71 | 3500 | 12-14-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3300 |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 31.08 | No | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Vacant |
| 170 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4500 | 3500 | Appraisal - 1007 |  | N/A |  |  | 4500 | Actual In Place Rent | No | 93.53 | 1.069 | 1.069 | 4208.75 | 4500 | 12-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4500 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 55.56 | No | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 167 | XX |  | XX | XX | XX | 12 Month Bank Statement | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 12533.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XX |  | 0 |  |  |  |  |  |  |  | No | 1.3 | 1 | 1 | N/A | 60.3 | No | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 199 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3700 | 3600 | Appraisal - 1025 |  | N/A |  |  | 3700 | Actual In Place Rent | No | 70.88 | 1.411 | 1.411 | 2622.56 | 900 | 01-16-2026 | 1 | 900 | 01-16-2026 | 1 | 900 | 01-16-2026 | 1 | 1000 | 01-16-2026 | 1 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 0.4 | No | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  | XX | XX | US Citizen | United States |  |  |  |  | Yes | 1 |  | XX | Tenant |
| 191 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4748 | Appraisal - Narrative | 4748 | Other | 12 |  | 4748 | Other | Yes | 98.3 | 1.017 | 1.017 | 4667.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4748 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.87 | No | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 180 | XX |  | XX | XX | XX | 2YR Full Doc | Present | No | 0 | 12500 | Appraisal - 1007 |  | N/A |  |  | 12500 | Appraisal - 1007 | No | 94.76 | 0 | 0 | 11844.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 12500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 43.21 | No | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Vacant |
| 178 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 71.64 | 1.396 | 1.396 | 1576.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2200 |  |  |  |  |  |  |  | No | 3.2 | 1 | 1 | N/A | 32.18 | No | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Vacant |
| 194 | XX |  | XX | XX | XX | 24 Month Bank Statement | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 6662.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XX | 0 | 0 |  |  |  |  |  |  |  | No | 7.3 | 2 | 1 | N/A | 76.37 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| 192 | XX |  | XX | XX | XX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 3812.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XX |  | 0 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 118.83 | No | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 177 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4550 | 4550 | Appraisal - 1007 |  | N/A |  |  | 4550 | Actual In Place Rent | No | 90.89 | 1.1 | 1.1 | 4135.3 | 4550 | 04-06-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4550 |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 23.82 | No | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 182 | XX |  | XX | XX | XX | 12 Month Bank Statement | Present | Yes | 2650 | 3200 | Appraisal - 1007 |  | N/A |  |  | 2650 | Actual In Place Rent | No | 129.2 | 0 | 0 | 3423.87 | 2650 | 04-03-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2650 |  |  |  |  |  |  |  | No | 0 | 1 | 1 |  | 8.04 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| 197 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal - 1025 |  | N/A |  |  | 3600 | Appraisal - 1025 | No | 78.51 | 1.274 | 1.274 | 2826.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 23.76 | No | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Tenant |
| 183 | XX |  | XX | XX | XX | 12 Month Bank Statement | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 6255.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 0 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 23.08 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| 181 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1275 | Appraisal - 1007 |  | N/A |  |  | 1275 | Appraisal - 1007 | No | 89.55 | 1.117 | 1.117 | 1141.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XX |  | 1275 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 15.73 | No | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XX | Vacant |
| 168 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 110.84 | 1.083 | 0.902 | 3879.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 37.8 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| 176 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1500 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 53.82 | 1.858 | 1.858 | 807.3 | 1500 | 04-13-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1500 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 30.29 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| 175 | XX |  | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 65.96 | 1.516 | 1.516 | 989.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1500 |  |  |  |  |  |  |  | No | 5.6 | 1 | 1 | N/A | 11.43 | No | XX | Limited Liability Corporation (LLC) | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |

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