# EDGAR Filing Document

**Accession Number:** 0001556593
**File Stem:** 0001213900-26-003862
**Filing Date:** 2026-1
**Character Count:** 2995614
**Document Hash:** 67049dc78a91d2cbfedf40806c16e011
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-003862.hdr.sgml**: 20260113

**ACCESSION NUMBER**: 0001213900-26-003862

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

**PUBLIC DOCUMENT COUNT**: 75

**CONFORMED PERIOD OF REPORT**: 20260113

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

**FILED AS OF DATE**: 20260113

**DATE AS OF CHANGE**: 20260113

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Rithm Capital Corp.
- **CENTRAL INDEX KEY:** 0001556593
- **STANDARD INDUSTRIAL CLASSIFICATION:** REAL ESTATE INVESTMENT TRUSTS [6798]
- **ORGANIZATION NAME:** 05 Real Estate & Construction
- **EIN:** 453449660
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07998
- **FILM NUMBER:** 26529877

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** (212) 850-7770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment Corp.
- **DATE OF NAME CHANGE:** 20121227

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment LLC
- **DATE OF NAME CHANGE:** 20121214

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Spinco Inc.
- **DATE OF NAME CHANGE:** 20120821
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Rithm Capital Corp.
- **CENTRAL INDEX KEY:** 0001556593
- **STANDARD INDUSTRIAL CLASSIFICATION:** REAL ESTATE INVESTMENT TRUSTS [6798]
- **ORGANIZATION NAME:** 05 Real Estate & Construction
- **EIN:** 453449660
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** (212) 850-7770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment Corp.
- **DATE OF NAME CHANGE:** 20121227

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment LLC
- **DATE OF NAME CHANGE:** 20121214

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Spinco Inc.
- **DATE OF NAME CHANGE:** 20120821
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Rithm Capital Corp.
- **CENTRAL INDEX KEY:** 0001556593
- **STANDARD INDUSTRIAL CLASSIFICATION:** REAL ESTATE INVESTMENT TRUSTS [6798]
- **ORGANIZATION NAME:** 05 Real Estate & Construction
- **EIN:** 453449660
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** (212) 850-7770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment Corp.
- **DATE OF NAME CHANGE:** 20121227

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment LLC
- **DATE OF NAME CHANGE:** 20121214

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Spinco Inc.
- **DATE OF NAME CHANGE:** 20120821

OMB Number: 3235-0675

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

**FORM ABS-15G**

**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>0001556593</u> 

NEW RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM1

(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.

---

| | | | |
|:---|:---|:---|:---|
|  | RITHM CAPITAL CORP. | RITHM CAPITAL CORP. | RITHM CAPITAL CORP. |
| Date: January 13, 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 - AMC Executive Summary](ea027259501_ex99-1.htm)

[Schedule 1 – Rating Agency Grades](ea027259501_ex99-1sch1.htm)

[Schedule 2 – Exception Grades](ea027259501_ex99-1sch2.htm)

[Schedule 3 – Valuation Summary](ea027259501_ex99-1sch3.htm)

[Schedule 4 – Business Purpose Report](ea027259501_ex99-1sch4.htm)

[Schedule 5 – Data Compare](ea027259501_ex99-1sch5.htm)

[99.2 - Third Party Due Diligence Report - Infinity Executive Summary](ea027259501_ex99-2.htm)

[Schedule 1 – Valuation Report](ea027259501_ex99-2sch1.htm)

[Schedule 2 – Rating Agency Grades Report](ea027259501_ex99-2sch2.htm)

[Schedule 3 – Data Compare](ea027259501_ex99-2sch3.htm)

[Schedule 4 – Loan Level Exception Report](ea027259501_ex99-2sch4.htm)

[Schedule 5 – Individual Exception Report](ea027259501_ex99-2sch5.htm)

[99.3 - Third Party Due Diligence Report - Evolve Executive Summary](ea027259501_ex99-3.htm)

[Schedule 1 – Valuation Report](ea027259501_ex99-3sch1.htm)

[Schedule 2 – Rating Agency Grades](ea027259501_ex99-3sch2.htm)

[Schedule 3 – Business Purpose Report](ea027259501_ex99-3sch3.htm)

[Schedule 4 – Data Compare](ea027259501_ex99-3sch4.htm)

[Schedule 5 – Exception Detail](ea027259501_ex99-3sch5.htm)

[Schedule 6 – QM ATR Report](ea027259501_ex99-3sch6.htm)

[99.4 - Third Party Due Diligence Report – Consolidated Analytics Executive Summary](ea027259501_ex99-4.htm)

[Schedule 1 – Rating Agency Grades Summary](ea027259501_ex99-4sch1.htm)

[Schedule 2 – Due Diligence Standard Report](ea027259501_ex99-4sch2.htm)

[Schedule 3 – Valuations Report](ea027259501_ex99-4sch3.htm)

[Schedule 4 – Data Compare](ea027259501_ex99-4sch4.htm)

[99.5 - Third Party Due Diligence Report - Opus Executive Summary](ea027259501_ex99-5.htm)

[Schedule 1 – Valuation Report](ea027259501_ex99-5sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea027259501_ex99-5sch2.htm)

[Schedule 3 – Business Purpose Supplemental Extract](ea027259501_ex99-5sch3.htm)

[Schedule 4 – Standard Findings Report](ea027259501_ex99-5sch4.htm)

[Schedule 5 – Data Compare](ea027259501_ex99-5sch5.htm)

[Schedule 6 – ATR QM Report](ea027259501_ex99-5sch6.htm)

[Schedule 7 – Recovco Valuation Report](ea027259501_ex99-5sch7.htm)

[Schedule 8 – Recovco Rating Agency Grades](ea027259501_ex99-5sch8.htm)

[Schedule 9 – Recovco Business Purpose Report](ea027259501_ex99-5sch9.htm)

[Schedule 10 – Recocco Loan Level Exceptions](ea027259501_ex99-5sch10.htm)

[Schedule 11 – Recovco Data Compare](ea027259501_ex99-5sch11.htm)

[Schedule 12 – Recovco ATR QM Report](ea027259501_ex99-5sch12.htm)

[Schedule 13 – Recovco Exception Level Report](ea027259501_ex99-5sch13.htm)

[99.6 - Third Party Due Diligence Report – Clayton Executive Summary](ea027259501_ex99-6.htm)

[Schedule 1 – Valuations Summary](ea027259501_ex99-6sch1.htm)

[Schedule 2 – Non ATR QM Report](ea027259501_ex99-6sch2.htm)

[Schedule 3 – Conditions Detail](ea027259501_ex99-6sch3.htm)

[Schedule 4 – Rating Agency ATR QM Report](ea027259501_ex99-6sch4.htm)

[Schedule 5 – Loan Level Tape Compare](ea027259501_ex99-6sch5.htm)

[Schedule 6 – Loan Grades](ea027259501_ex99-6sch6.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_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 July 2025 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 nine (9) Loans totaling an aggregate original principal balance of approximately $2.878 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;Lien Position | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Appraised Value | &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 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original P&I |  |

---

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.

**<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.

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![](ex99-1_001.jpg)

**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.

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![](ex99-1_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.

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![](ex99-1_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 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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&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;

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

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&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.

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;

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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):

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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

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

**(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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![](ex99-1_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** 

**OVERALL REVIEW RESULTS SUMMARY**

Of the nine (9) Loans reviewed, all nine (9) 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 Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &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;**9** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Five (5) Loans are DSCR loans and will not have a compliance grade.

Of the four (4) Loans reviewed for compliance, all four (4) Loans or (100%) received an "A" 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 Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |

---

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![](ex99-1_001.jpg)

**CREDIT RESULTS SUMMARY**

All nine (9) 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 Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &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;**9** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All nine (9) Loans (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 Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;9 | &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;**9** | &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 Type** | &nbsp;&nbsp;**Fitch & Kroll Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***6*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**6** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**6** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the nine (9) Loans reviewed, five (5) unique Loans had a total of seven (7) different tape discrepancies across four (4) data fields (some Loans had more than one data delta). The largest variances were found on Borrower Last Name where the data tape information did not coincide with the documentation type found in the loan file.

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![](ex99-1_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;9 | &nbsp;&nbsp;44.44% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**189** | &nbsp;&nbsp;**3.70%** | &nbsp;&nbsp;**9** |

---

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![](ex99-1_001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2877800.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2877800.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2877800.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2877800.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;7 | &nbsp;&nbsp;77.78% | &nbsp;&nbsp;$2415850.00 | &nbsp;&nbsp;83.95% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;$150000.00 | &nbsp;&nbsp;5.21% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;$311950.00 | &nbsp;&nbsp;10.84% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2877800.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2877800.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2877800.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;7 | &nbsp;&nbsp;77.78% | &nbsp;&nbsp;$2598450.00 | &nbsp;&nbsp;90.29% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;$129350.00 | &nbsp;&nbsp;4.49% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;$150000.00 | &nbsp;&nbsp;5.21% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2877800.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2877800.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2877800.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch1_001.jpg) |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** |  |  |  |  |  |  |  |  |
| **Run Date - 12/30/2025 6:33:31 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** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| Removed from deal | XX | XX | XX |  | XX | XX D | A | D | B | A | B |
| 900000974 | XX | XX | XX |  | XX | XX C | A | C | A | A | A |
| 900000981 | XX | XX | XX |  | XX | XX A | A | A | A | A | A |
| 900000975 | XX | XX | XX |  | XX | XX A | A | A | A | A | A |
| 900000976 | XX | XX | XX |  | XX | XX C | A | C | A | A | A |
| 900000978 | XX | XX | XX |  | XX | XX B | A | B | A | A | A |
| 900000980 | XX | XX | XX |  | XX | XX C D | A | C D | A | A | A |
| 900000977 | XX | XX | XX |  | XX | XX C | A | C | B | A | B |
| 900000983 | XX | XX | XX |  | XX | XX C D | A | C D | B | A | B |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| |
|:---|
| ![](ex99-1sch2_001.jpg) |
| **Exception Grades** |
| **Run Date - 12/30/2025 6:33:31 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** |
| Removed from deal | 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 |
| Removed from deal | 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 |
| Removed from deal | 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 |
| Removed from deal | 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 |
| Removed from deal | 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 |
| Removed from deal | 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 |
| 900000974 | XX | XX | XX |  | 34473614 | 12025050040-25749 | 06/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The settlement statement provided disclosed it is an estimate. Please provide final signed/stamped settlement statement |  |  |  | Reviewer Comment (2025-07-14): Received<br>Buyer Comment (2025-07-10): 07/10-Pleases see attached FSS | 07/14/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 900000974 | XX | XX | XX |  | 34473615 | 12025050040-5347 | 06/18/2025 | 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. |  | The Non-Owner Occupancy Declaration is incomplete as Section 4A is missing the principal residence address. |  |  |  | Reviewer Comment (2025-07-14): Received completed NOO declaration<br>Buyer Comment (2025-07-10): Please find attached completed section on form. Thank you. | 07/14/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 900000976 | XX | XX | XX |  | 34474639 | 12025050709-2924 | 06/26/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing complete fraud report. |  |  |  | Reviewer Comment (2025-07-01): clear<br>Buyer Comment (2025-06-30): Fraud | 07/01/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 900000976 | XX | XX | XX |  | 34474641 | 12025050709-3831 | 06/26/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide an explanation for the 3 modifications noted on title. (Page 14 Schedule B) Additional conditions may apply. |  |  |  | Reviewer Comment (2025-07-01): Modification are all for extension of maturity date.<br>Buyer Comment (2025-06-30): XX Modification agreements were provided. | 07/01/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 900000976 | XX | XX | XX |  | 34474640 | 12025050709-30930 | 06/26/2025 | 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. | he Title Policy Amount of $XX is less than the note amount of $XX based on the Commitment in file. |  |  |  | Reviewer Comment (2025-07-01): clear<br>Buyer Comment (2025-06-27): 06/27-Please see attached Title | 07/01/2025 |  |  | 1 B A | XX | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 900000978 | XX | XX | XX |  | 34474878 | 12025051067-32065 | 06/23/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-06-26): clear<br>Buyer Comment (2025-06-24): 06/24-Please see attached Title supplement | 06/26/2025 |  |  | 1 B A | XX | CA | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | N/A | No |
| 900000980 | XX | XX | XX |  | 34474918 | 12025051474-2919 | 06/26/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The Articles of Formation/Organization for XX is missing from the file. |  |  |  | Reviewer Comment (2025-07-10): clear<br>Buyer Comment (2025-07-08): See name change to "XX." attached. Thank you. | 07/10/2025 |  |  | 1 C A D | XX | FL | Investment | Refinance - Rate/Term | D A | Exempt from ATR | N/A | No |
| 900000977 | XX | XX | XX |  | 34474986 | 12025050782-34537 | 07/07/2025 | Credit | Income | Document Error | Income | Bank statement page number is blank. | Borrower: XX // Employment Type: Employment / Income Type: Bank Statements / Start Date: 04/XX/2021 // Account Type: Business / Account Num: XX / Statement End Date: 2024-XX-30, Borrower: XXo // Employment Type: Employment / Income Type: Bank Statements / Start Date: 04/XX/2021 // Account Type: Business / Account Num: XX / Statement End Date: 2024-05-XX | Lender approved exception for 20 months' bank statements fromXX covering the period of 07/2024 - 04/2025, while guidelines require 12 months. Borrower uses two accounts for business deposits; the second account opened 0/2024. | 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%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $51,828.55<br>Reserves: 52.03<br> Guideline Requirement: 3.00<br>Loan to Value: 57.69231%<br> Guideline Maximum Loan to Value: 70.00000%<br>DTI: 21.58335% <br> Guideline Maximum DTI: 50.00000% | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-07-03): Waived with compensating factors per lender exception approval at origination. |  |  | 07/03/2025 | 2 B | XX | FL | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| 900000977 | XX | XX | XX |  | 34474988 | 12025050782-29639 | 07/07/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing verification of employment within 20 business days prior to the Note date. |  |  |  | Reviewer Comment (2025-07-10): clear<br>Buyer Comment (2025-07-08): XX is within 20 business days. Memorial day is not considered a business day in May. | 07/10/2025 |  |  | 1 C A | XX | FL | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| 900000977 | XX | XX | XX |  | 34474989 | 12025050782-5404 | 07/07/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX Third Party Verification | The file is missing verification of employment within 20 business days prior to the Note date. |  |  |  | Reviewer Comment (2025-07-10): clear<br>Buyer Comment (2025-07-08): XX is within 20 business days. Memorial day is not considered a business day in May. | 07/10/2025 |  |  | 1 C A | XX | FL | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| 900000983 | XX | XX | XX |  | 34475032 | 12025060808-2919 | 07/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Please provide a Certificate of Good Standing within 12 months of the Note date. | 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. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $152,694.67<br>Reserves: 48.80<br> Guideline Requirement: 3.00<br>DTI: 5.17079% <br> Guideline Maximum DTI: 50.00000% | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-07): Waived with compensating factors at clients request.<br>Buyer Comment (2025-08-06): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-07-30): Cannot clear the exception with post closing document.<br>Buyer Comment (2025-07-28): COGS |  |  | 08/07/2025 | 2 C B D | XX | TX | Investment | Refinance - Cash-out - Other | D B A | Exempt from ATR | N/A | No |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

---

| |
|:---|
| ![](ex99-1sch3_001.jpg) |
| **Valuation Report** |
| **Run Date - 12/XX/2025 6:33:31 PM** |

---

---

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| 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** |
| Removed from deal | 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 |
| 900000974 | XX | XX | XX |  | 6/XX/2025 | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 900000981 | XX | XX | XX |  | 7/XX/2025 | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 900000975 | XX | XX | XX |  | 6/XX/2025 | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 900000976 | XX | XX | XX |  | 6/XX/2025 | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 900000978 | XX | XX | XX |  | 6/XX/2025 | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 900000980 | XX | XX | XX |  | 6/XX/2025 | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 900000977 | XX | XX | XX |  | 6/XX/2025 | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 900000983 | XX | XX | XX |  | 6/XX/2025 | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| |
|:---|
| ![](ex99-1sch4_001.jpg) |
| **ASF Addendum - Business Purpose** |
| **Run Date - 12/30/2025 6:33:32 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** |
| Removed from deal | XX | XX | XX |  |  | XX | XX | XX | XX/XX/XXXX | 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 | Classic |  |  |  |  |  |  |  |  | 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 | Classic | 03/04/2025 | 751 | Fair Isaac (VER. 2) | 786 | FICO Classic V5 Facta | 767 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 118.750% | XX |  |  |  |  |  |  |  |  |  |  |
| 900000974 | XX | XX | XX |  |  | XX | XX | XX | XX/XX/XXXX | Yes | No | Long Term |  | $1590.00 | 1073/465 | $1973.33 | Multiple Sources | $1942.20 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $1942.20 |  |  | No |  |  |  | Long Term |  | $1590.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $11000.00 | Yes | $375.00 | $435.99 | $90.52 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 0.56 |  |  | 661 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 95.00% | Full Recourse | 2 | Non-Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 04/25/2025 | 661 | Fair Isaac (VER. 2) | 721 | FICO Classic V5 Facta | 632 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 3 | 2 | C4 |  | $0.00 | $383.33 |  |  |  |  |  |  | 65.000% | XX |  |  | 75.203% | XX |  |  |  |  |  |  |  |  |  |  |
| 900000981 | XX | XX | XX |  |  | XX | XX | XX | XX/XX/XXXX | Yes | Yes | Long Term | $1790.00 | $1775.00 | 1004/70 | $1775.00 | Third Party Rental Source | $1312.27 |  | 0.000000 | 0.74 |  |  | 1.35 | 1.35 | $1312.27 |  |  | Yes | 04/01/2025 | 04/01/2026 | 12 | Long Term | $1790.00 | $1775.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $20800.00 | No |  | $145.93 | $71.83 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  |  | Experienced Investor | 0.90 |  |  | 799 |  |  |  |  | 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 | Classic | 06/05/2025 | 802 | Fair Isaac (VER. 2) | 793 | FICO Classic V5 Facta | 799 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 187.396% | XX |  |  |  |  |  |  |  |  |  |  |
| 900000975 | XX | XX | XX |  |  | XX | XX | XX | XX/XX/XXXX | Yes | No | Long Term |  | $5000.00 | 1004/70 | $5000.00 | Third Party Rental Source | $4202.23 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $4202.23 |  |  | No |  |  |  | Long Term |  | $5000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $128200.00 | No |  | $446.06 | $197.25 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 2.44 |  |  | 678 |  |  |  |  | 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 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/02/2025 | 692 | Fair Isaac (VER. 2) | 678 | FICO Classic V5 Facta | 672 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 4 | 1.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 63.000% | XX |  |  | 123.564% | XX |  |  |  |  |  |  |  |  |  |  |
| 900000976 | XX | XX | XX |  |  | XX | XX | XX | XX/XX/XXXX | Yes | No | Long Term |  | $2650.00 | 1004/70 | $2650.00 | Third Party Rental Source | $2350.74 |  | 0.000000 | 0.89 |  |  | 1.13 | 1.13 | $2350.74 |  |  | No |  |  |  | Long Term |  | $2650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25000.00 | No |  | $207.81 | $271.83 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor | 1.22 |  |  | 685 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Corp | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | Classic | 05/07/2025 | 689 | Fair Isaac (VER. 2) | 685 | FICO Classic V5 Facta | 684 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 3 | 1.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 128.174% | XX |  |  |  |  |  |  |  |  |  |  |
| 900000978 | XX | XX | XX |  |  | XX | XX | XX | XX/XX/XXXX | Yes |  |  |  |  |  |  |  | $8659.89 |  | 0.349465 |  |  |  |  |  | $8659.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $664.79 | $109.97 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 0.76 |  |  | 761 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 2-Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 04/22/2025 | 737 | Fair Isaac (VER. 2) | 778 | FICO Classic V5 Facta | 761 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 2 | 1 | C3 |  |  | $55007.18 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000980 | XX | XX | XX |  |  | XX | XX | XX | XX/XX/XXXX | Yes |  |  |  |  |  |  |  | $2862.34 |  | 0.301489 |  |  |  |  |  | $2862.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $348.87 | $142.42 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 0.79 |  |  | 763 |  |  |  |  | 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 | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 04/30/2025 | 763 | Fair Isaac (VER. 2) | 763 | FICO Classic V5 Facta | 774 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 3 | 2 | C3 |  |  | $33939.20 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000977 | XX | XX | XX |  |  | XX | XX | XX | XX/XX/XXXX | No |  |  |  |  |  |  |  | $2328.36 |  | 0.215834 |  |  |  |  |  | $2328.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $864.00 | $306.36 | $96.31 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | Permanent Resident Alien |  | 699 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 2 | Permanent Resident Alien | Resident Alien Card |  | Level 4-Stated/Verified as defined | 05/07/2025 | 715 | Fair Isaac (VER. 2) | 691 | FICO Classic V5 Facta | 699 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 1 | 1 | C3 | $280000.00 |  | $66093.81 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000983 | XX | XX | XX |  |  | XX | XX | XX | XX/XX/XXXX | Yes |  |  |  |  |  |  |  | $1635.51 |  | 0.051708 |  |  |  |  |  | $1635.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $288.08 | $133.21 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 0.79 |  |  | 718 |  |  |  |  | 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 | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 04/17/2025 | 652 | Fair Isaac (VER. 2) | 728 | Beacon 5 | 718 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 3 | 2 | C3 |  |  | $161020.72 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

---

| |
|:---|
| ![](ex99-1sch5_001.jpg) |
| **Data Compare (Non-Ignored)** |
| **Run Date - 12/31/2025 12:07:12 PM** |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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** |
| Removed from deal | XX | XX | XX |  |  | Note Date |  | XX | Verified | Field Value reflects Note Date per the Note |
| Removed from deal | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 900000974 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 900000976 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 900000978 | XX | XX | XX |  |  | Borrower First Name | XX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 900000978 | XX | XX | XX |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance |
| 900000983 | XX | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_002.jpg)

![](ex99-2_001.jpg)

**EXECUTIVE SUMMARY**

**NRMLT 2026-NQM1**

**January 5, 2026**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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![](ex99-2_002.jpg)

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| 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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![](ex99-2_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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![](ex99-2_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-six (336) mortgage loans that were originally reviewed from August 2022 to October 2025.

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

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

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

▪ "Credit Review" 336 Mortgage Loans

▪ "Property Review" 336 Mortgage Loans

▪ "Data Integrity" 336 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-six (336) 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 nineteen (119) exempt loans were not subject to a compliance review and did not receive a compliance grade.

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

![](ex99-2_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-six (336) 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 29 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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![](ex99-2_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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![](ex99-2_002.jpg)

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for one hundred and ten (110) 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-six (336) mortgage loans. For these three hundred and thirty-six (336) 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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![](ex99-2_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. 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);

ii) proper execution by all required parties;

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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

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&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 were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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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.

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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.

 

*<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;▪ Initial application (1003);

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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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, Kroll Bond Rating Agency, LLC ("KBRA") and Fitch Ratings, Inc. ("Fitch").

**OVERALL RESULTS SUMMARY (336 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers three hundred and thirty-six (336) mortgage loans. Within those mortgage loans, Infinity graded three hundred and six (306) mortgage loans as "A" and thirty (30) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;176 | &nbsp;&nbsp;307 | &nbsp;&nbsp;336 | &nbsp;&nbsp;306 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 |
| &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;99.44% | &nbsp;&nbsp;91.37% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;91.07% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.56% | &nbsp;&nbsp;8.63% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8.93% |
| &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;**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;176 | &nbsp;&nbsp;307 | &nbsp;&nbsp;336 | &nbsp;&nbsp;306 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 |
| &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;99.44% | &nbsp;&nbsp;91.37% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;91.07% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.56% | &nbsp;&nbsp;8.63% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8.93% |
| &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% |

---

16 \| P a g e

![](ex99-2_002.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (336 MORTGAGE LOANS)**

Of the three hundred and thirty-six (336) mortgage loans reviewed, 22 (6.55%) mortgage loans had tape discrepancies across four (4) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;3 | &nbsp;&nbsp;336 | &nbsp;&nbsp;0.89% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;336 | &nbsp;&nbsp;0.60% |
| &nbsp;&nbsp;Residual Income | &nbsp;&nbsp;19 | &nbsp;&nbsp;336 | &nbsp;&nbsp;5.65% |
| &nbsp;&nbsp;Sales Price (HUD-1 Line 101) | &nbsp;&nbsp;1 | &nbsp;&nbsp;336 | &nbsp;&nbsp;0.30% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (336 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 Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;331 | &nbsp;&nbsp;98.51% | &nbsp;&nbsp;$187505197.00 | &nbsp;&nbsp;98.38% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.49% | &nbsp;&nbsp;$3096500.00 | &nbsp;&nbsp;1.62% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**336** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$190601697.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;336 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$190601697.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**336** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$190601697.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown | &nbsp;&nbsp;66 | &nbsp;&nbsp;19.64% | &nbsp;&nbsp;$30902900.00 | &nbsp;&nbsp;16.21% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;29 | &nbsp;&nbsp;8.63% | &nbsp;&nbsp;$19347386.00 | &nbsp;&nbsp;10.15% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;191 | &nbsp;&nbsp;56.85% | &nbsp;&nbsp;$100742711.00 | &nbsp;&nbsp;52.86% |
| &nbsp;&nbsp;Rate/Term Refinance-Borrower initiated | &nbsp;&nbsp;50 | &nbsp;&nbsp;14.88% | &nbsp;&nbsp;$39608700.00 | &nbsp;&nbsp;20.78% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**336** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$190601697.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

![](ex99-2_002.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;276 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;$1595000.00 | &nbsp;&nbsp;0.84% |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;31 | &nbsp;&nbsp;9.23% | &nbsp;&nbsp;$25745425.00 | &nbsp;&nbsp;13.51% |
| &nbsp;&nbsp;300 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;$519000.00 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;303 | &nbsp;&nbsp;90.18% | &nbsp;&nbsp;$162742272.00 | &nbsp;&nbsp;85.38% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**336** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$190601697.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;157 | &nbsp;&nbsp;46.73% | &nbsp;&nbsp;$113628756.00 | &nbsp;&nbsp;59.62% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;20 | &nbsp;&nbsp;5.95% | &nbsp;&nbsp;$16477517.00 | &nbsp;&nbsp;8.65% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;159 | &nbsp;&nbsp;47.32% | &nbsp;&nbsp;$60495424.00 | &nbsp;&nbsp;31.74% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**336** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$190601697.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;Correspondent SmartEdge Product Profile 7-24-25.pdf |
| &nbsp;&nbsp;Correspondent SmartSelf Product Profile 7-24-25.pdf |
| &nbsp;&nbsp;Correspondent SmartVest Product Profile 7-30-25.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;Newrez SmartSelf Bank Statement, 1099 and P&L Product Summary 7-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartVest Product Summary 4-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartVest Product Summary 7-30-25.pdf |
| &nbsp;&nbsp;RTL DTC JV WHL SmartVest Product Summary (9.25.2025 v25.12).docx |
| &nbsp;&nbsp;SmartEdge (04.29.2022 v22.2) R-JV-DTC (1).pdf |
| &nbsp;&nbsp;SmartEdge Product Profile 12-20-24.pdf |
| &nbsp;&nbsp;SmartEdge Product Profile 5-30-25 - Correspondent only.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary 5-30-25.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary Correspondent 4-24-25.pdf |
| &nbsp;&nbsp;SmartSelf (04.29.2022 v22.2) R-JV-DTC.pdf |
| &nbsp;&nbsp;SmartSelf (07.07.2022 v22.3) R-JV-DTC.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement and 1099 Product Summary 01-23-25.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 Profile 12-20-24.pdf |
| &nbsp;&nbsp;SmartSelf Product Profile 5-30-25 - Correspondent only.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary - Correspondent 8-28-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary Correspondent 4-24-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary_Correspondent 9-19-24.pdf |
| &nbsp;&nbsp;SmartVest 04.29.2022 v22.2 R-JV-DTC (1).pdf |
| &nbsp;&nbsp;SmartVest Product Profile 5-30-25 - Correspondent only.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 5-30-25.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 9-5-25 - Newrez.pdf |
| &nbsp;&nbsp;SmartVest Product Summary Correspondent 10-17-24.pdf |

---

18 \| P a g e

## Exhibit 99.2

**Exhibit 99.2 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** |
| 900000091 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000602 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 2.014% | XX | 08/XX/2025 | No | 4.5 | 4.1 |
| 900000001 | XXX | XXX |  | 07/XX/2025 | $XX | $XX | $XX | $XX | 04/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 900000002 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1 |
| 900000003 | XXX | XXX |  | 06/XX/2025 | $XX | $XX | $XX | $XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 900000004 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000005 | XXX | XXX |  | 07/XX/2025 | $XX | $XX | $XX | $XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -0.536% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 900000006 | XXX | XXX |  | 07/XX/2025 | $XX | $XX | $XX | $XX | 06/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 900000010 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 4.6 |
| 900000012 | XXX | XXX |  | 06/XX/2025 | $XX | $XX | $XX | $XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 900000013 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 900000015 | XXX | XXX |  | 07/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000016 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 900000019 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000021 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 4.4 |
| 900000023 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 900000024 | XXX | XXX |  | 07/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2 | 3.8 |
| 900000025 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.7 |
| 900000026 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 4.3 |
| 900000027 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3 |
| 900000028 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -6.944% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.6 |
| 900000029 | XXX | XXX |  | 07/XX/2025 | $XX | $XX | $XX | $XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000031 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.1 |
| 900000033 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000034 | XXX | XXX |  | 07/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.4 |
| 900000036 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Unavailable |
| 900000040 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.5 | 1.9 |
| 900000041 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 4.6 |
| 900000042 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Not Applicable |
| 900000045 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.3 |
| 900000046 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 900000047 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1.9 |
| 900000049 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | Not Applicable |
| 900000050 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 13.060% | XX | 08/XX/2025 | Yes | 1 | 3.8 |
| 900000053 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000054 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000057 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 3 |
| 900000058 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 900000059 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 1.966% | XX | 07/XX/2025 | No | 3 | 1.9 |
| 900000060 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.2 |
| 900000061 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 900000063 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 13.264% | XX | 08/XX/2025 | No | Not Applicable | 3.3 |
| 900000064 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 5.952% | XX | 07/XX/2025 | No | Unavailable | 2 |
| 900000067 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3.7 |
| 900000069 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000070 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 05/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 900000071 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000072 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.4 |
| 900000073 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 900000074 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 900000076 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 900000078 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000079 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.6 |
| 900000081 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000082 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.8 |
| 900000083 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 900000084 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000086 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 900000087 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.2 |
| 900000088 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -4.545% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.1 |
| 900000089 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.7 |
| 900000092 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.7 |
| 900000093 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 4.3 |
| 900000094 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.7 |
| 900000099 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -8.397% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.6 |
| 900000100 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 900000103 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.9 |
| 900000107 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.5 |
| 900000108 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 900000110 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000111 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2 |
| 900000114 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 900000116 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.6 |
| 900000117 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.9 |
| 900000118 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000119 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -1.316% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 900000122 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.8 |
| 900000995 | XXX | XXX |  | 07/XX/2022 | $XX | $XX | $XX | $XX | 02/XX/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -4.762% | XX | 05/XX/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.7 |
| 900001000 | XXX | XXX |  | 06/XX/2022 | $XX | $XX | $XX | $XX | 05/XX/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 05/XX/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | 2 |
| 900001001 | XXX | XXX |  | 07/XX/2022 | $XX | $XX | $XX | $XX | 05/XX/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 06/XX/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 900001002 | XXX | XXX |  | 06/XX/2022 | $XX | $XX | $XX | $XX | 05/XX/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 06/XX/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.6 |
| 900001005 | XXX | XXX |  | 06/XX/2022 | $XX | $XX | $XX | $XX | 05/XX/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 900001009 | XXX | XXX |  | 07/XX/2022 | $XX | $XX | $XX | $XX | 07/XX/2022 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Unavailable | 1.3 |
| 900001016 | XXX | XXX |  | 08/XX/2022 | $XX | $XX | $XX | $XX | 07/XX/2022 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| Removed from deal | XXX | XXX |  | 08/XX/2022 | $XX | $XX | $XX | $XX | 08/XX/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2 |
| 900001020 | XXX | XXX |  | 08/XX/2022 | $XX | $XX | $XX | $XX | 08/XX/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 3.2 |
| 900001021 | XXX | XXX |  | 08/XX/2022 | $XX | $XX | $XX | $XX | 07/XX/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Unavailable |
| 900001022 | XXX | XXX |  | 09/XX/2022 | $XX | $XX | $XX | $XX | 07/XX/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 900001026 | XXX | XXX |  | 07/XX/2022 | $XX | $XX | $XX | $XX | 07/XX/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900001027 | XXX | XXX |  | 07/XX/2022 | $XX | $XX | $XX | $XX | 07/XX/2022 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.7 |
| 900000126 | XXX | XXX |  | 07/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -3.750% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.4 |
| 900000127 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000129 | XXX | XXX |  | 07/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.6 |
| 900000139 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.4 |
| 900000143 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.3 |
| 900000144 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000150 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 900000151 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -4.511% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 900000152 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 900000156 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000158 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000159 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000161 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000162 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| 900000167 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 900000168 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.6 |
| 900000171 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 900000175 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000176 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.5 |
| 900000177 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2 |
| 900000180 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000186 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 5 |
| 900000190 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.6 |
| 900000195 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.5 |
| 900000198 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000199 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 900000212 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000214 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000216 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 900000221 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 900000225 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1 |
| 900000226 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000227 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000230 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | Not Applicable |
| 900000231 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.5 |
| 900000235 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000240 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000243 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1.3 |
| 900000250 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 900000253 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.5 |
| 900000254 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 900000255 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.1 |
| 900000258 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2 |
| 900000262 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 | No | 3.5 | 3.9 |
| 900000267 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 900000269 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 900000270 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 4.4 |
| 900000271 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 900000278 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000280 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 5 |
| 900000286 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -10.448% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  | $XX | $XX | -9.552% | XX | 08/XX/2025 | No | 3 | 2.6 |
| 900000287 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.5 |
| 900000288 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 900000291 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 4.4 |
| 900000292 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000293 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1 | 1 |
| 900000296 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.8 |
| 900000299 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -3.390% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3.2 |
| 900000300 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000301 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000303 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.2 |
| 900000304 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.5 |
| 900000305 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.5 |
| 900000309 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.4 |
| 900000310 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.4 |
| 900000318 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.8 |
| 900000327 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000334 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.8 |
| 900000342 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.2 |
| 900000343 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -7.692% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 900000346 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 900000347 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000353 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 900000365 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 18.605% | XX | 08/XX/2025 | No | 4.5 | 2.5 |
| 900000376 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000385 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.2 |
| 900000388 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 900000392 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 900000394 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 3.3 |
| 900000414 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000417 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.2 |
| 900000425 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 900000427 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 900000431 | XXX | XXX |  | 05/XX/2025 | $XX | $XX | $XX | $XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.7 |
| 900000434 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Unavailable |
| 900000436 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.9 |
| 900000442 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 900000443 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 900000445 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.4 |
| 900000450 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.1 |
| 900000451 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.7 |
| 900000454 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000455 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.5 |
| 900000458 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4.6 |
| 900000460 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.1 |
| 900000461 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000462 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4 |
| 900000469 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 1.1 |
| 900000472 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 900000473 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.1 |
| 900000476 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.2 |
| 900000477 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.6 |
| 900000482 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.3 |
| 900000486 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 900000488 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 900000490 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000491 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000494 | XXX | XXX |  | 09/XX/2022 | $XX | $XX | $XX | $XX | 08/XX/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.9 |
| 900000496 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000506 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.6 |
| 900000511 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2 |
| 900000512 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 900000514 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2 |
| 900000516 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 900000517 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.8 |
| 900000521 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000525 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 900000526 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2 |
| 900000530 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 900000532 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.7 |
| 900000534 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 5.455% | XX | 08/XX/2025 | No | 5 | 3.3 |
| 900000537 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -8.421% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | Unavailable |
| 900000538 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.6 |
| 900000545 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 900000552 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 3.8 |
| 900000561 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | Not Applicable |
| 900000562 | XXX | XXX |  | 06/XX/2025 | $XX | $XX | $XX | $XX | 04/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000569 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000571 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.7 |
| 900000572 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000573 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000577 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000579 | XXX | XXX |  | 08/XX/2022 | $XX | $XX | $XX | $XX | 07/XX/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000583 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 0.103% | XX | 08/XX/2025 | No | 4.5 | 4.5 |
| 900000588 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -6.907% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.6 |
| 900000590 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 3.7 |
| 900000591 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000592 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 5 |
| 900000593 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 900000595 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 3.004% | XX | 07/XX/2025 | No | 5 | 2.2 |
| 900000597 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.3 |
| 900000598 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000599 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 6.061% | XX | 08/XX/2025 | No | 4 | 1 |
| 900000603 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.1 |
| 900000604 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 0.800% | XX | 08/XX/2025 | Yes | 2 | 1 |
| 900000608 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.1 |
| 900000613 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.8 |
| 900000614 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 | Not Applicable | Not Applicable | 2.5 |
| 900000616 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 900000619 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000624 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.6 |
| 900000626 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 6.232% | XX | 09/XX/2025 | No | 3 | 1 |
| 900000636 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.7 |
| 900000640 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.3 |
| 900000641 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.8 |
| 900000642 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000644 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 4.1 |
| 900000650 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 3.038% | XX | 08/XX/2025 | No | Not Applicable | 1.1 |
| 900000663 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000666 | XXX | XXX |  | 05/XX/2025 | $XX | $XX | $XX | $XX | 04/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000667 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1 |
| 900000669 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.7 |
| 900000672 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 900000673 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 900000683 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 900000686 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| 900000687 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 900000692 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000693 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 900000702 | XXX | XXX |  | 05/XX/2025 | $XX | $XX | $XX | $XX | 04/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.2 |
| 900000703 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.4 |
| 900000706 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.3 |
| 900000708 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | -2.632% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 | No | Unavailable | 1 |
| 900000714 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.6 |
| 900000717 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000723 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.7 |
| 900000736 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.2 |
| 900000739 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | -5.128% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000742 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 900000754 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.3 |
| 900000755 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 900000759 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 900000761 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 900000765 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Not Applicable |
| 900000766 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000774 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000778 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.6 |
| 900000779 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000782 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | -2.632% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 900000784 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 900000786 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.6 |
| 900000795 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 3.7 |
| 900000797 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 900000798 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 900000801 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 900000802 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.7 |
| Removed from deal | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 3.3 |
| 900000806 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 900000807 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 5.505% | XX | 08/XX/2025 | No | 4.5 | 1 |
| 900000815 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000830 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 900000831 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1.9 |
| 900000836 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  | $XX | $XX | -0.746% | XX | 09/XX/2025 | No | 5 | 1.7 |
| 900000841 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.1 |
| 900000842 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000846 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 900000848 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 900000852 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000854 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 900000856 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -7.895% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.6 |
| 900000864 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -3.226% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.4 |
| 900000867 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.1 |
| 900000869 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.8 |
| 900000871 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.3 |
| 900000873 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3.5 |
| 900000875 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000876 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 900000881 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000885 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.7 |
| 900000888 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000889 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 900000892 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -1.899% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  | $XX | $XX | -5.063% | XX | 08/XX/2025 | Yes | 2.5 | 2.5 |
| 900000896 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000899 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.3 |
| 900000903 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 900000905 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 900000911 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  | $XX | $XX | -1.980% | XX | 08/XX/2025 | No | 4.5 | 1 |
| 900000916 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2 |
| 900000917 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 900000918 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 3.3 |
| 900000919 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.2 |
| 900000920 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 900000921 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2 |
| 900000930 | XXX | XXX |  | 08/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000932 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 900000933 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 900000934 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000941 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XX | $XX | 4.762% | XX | 08/XX/2025 | No | 4.5 | 2.6 |
| 900000945 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2 |
| 900000948 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 900000949 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | -5.724% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 5 |
| 900000951 | XXX | XXX |  | 10/XX/2025 | $XX | $XX | $XX | $XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 900000955 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 3.7 |
| 900000956 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.5 |
| 900000961 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.6 |
| 900000972 | XXX | XXX |  | 09/XX/2025 | $XX | $XX | $XX | $XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | $XX | $XX | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.2 |

---

## Exhibit 99.2

**Exhibit 99.2 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** |
| 900000899 | XXX | XXX | $XXX | Ohio | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000343 | XXX | XXX | $XXX | Florida | 9/XX/2025 | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 900000010 | XXX | XXX | $XXX | Texas | 9/XX/2025 | 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 |
| 900000081 | XXX | XXX | $XXX | Illinois | 9/XX/2025 | 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 |
| 900000143 | XXX | XXX | $XXX | Michigan | 8/XX/2025 | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000807 | XXX | XXX | $XXX | Florida | 8/XX/2025 | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900001000 | XXX | XXX | $XXX | Florida | 6/XX/2022 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 900000195 | XXX | XXX | $XXX | Colorado | 9/XX/2025 | Secondary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 900000445 | XXX | XXX | $XXX | Georgia | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000806 | XXX | XXX | $XXX | Alabama | 9/XX/2025 | 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 |
| 900000394 | XXX | XXX | $XXX | Texas | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000454 | XXX | XXX | $XXX | Colorado | 9/XX/2025 | 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 |
| 900000972 | XXX | XXX | $XXX | Florida | 9/XX/2025 | 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 |
| 900000795 | XXX | XXX | $XXX | Pennsylvania | 9/XX/2025 | Secondary | Cash Out A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 900000830 | XXX | XXX | $XXX | New York | 9/XX/2025 | 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 |
| 900000346 | XXX | XXX | $XXX | California | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000616 | XXX | XXX | $XXX | New Jersey | 9/XX/2025 | 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 |
| 900000534 | XXX | XXX | $XXX | California | 9/XX/2025 | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 900000869 | XXX | XXX | $XXX | New Jersey | 9/XX/2025 | 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 |
| 900000995 | XXX | XXX | $XXX | Louisiana | 7/XX/2022 | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000532 | XXX | XXX | $XXX | Texas | 9/XX/2025 | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 900001027 | XXX | XXX | $XXX | California | 7/XX/2022 | Primary | Refinance A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 900000779 | XXX | XXX | $XXX | Alaska | 9/XX/2025 | 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 |
| 900000911 | XXX | XXX | $XXX | Texas | 9/XX/2025 | Investor | Refinance 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 |
| 900000082 | XXX | XXX | $XXX | New York | 9/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 900000016 | XXX | XXX | $XXX | Massachusetts | 8/XX/2025 | 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 |
| 900000595 | XXX | XXX | $XXX | Nevada | 8/XX/2025 | Primary | Refinance B | A D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A |
| 900000243 | XXX | XXX | $XXX | Virginia | 9/XX/2025 | 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 |
| 900000235 | XXX | XXX | $XXX | New York | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000158 | XXX | XXX | $XXX | Florida | 9/XX/2025 | 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 |
| 900000110 | XXX | XXX | $XXX | Oklahoma | 8/XX/2025 | 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 |
| 900000107 | XXX | XXX | $XXX | Colorado | 8/XX/2025 | 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 |
| 900000227 | XXX | XXX | $XXX | Connecticut | 9/XX/2025 | 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 |
| 900000875 | XXX | XXX | $XXX | Texas | 10/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000608 | XXX | XXX | $XXX | New York | 9/XX/2025 | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000114 | XXX | XXX | $XXX | New Jersey | 9/XX/2025 | 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 |
| 900000385 | XXX | XXX | $XXX | New York | 9/XX/2025 | 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 |
| 900000091 | XXX | XXX | $XXX | Florida | 9/XX/2025 | 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 |
| 900000916 | XXX | XXX | $XXX | Florida | 9/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 900000291 | XXX | XXX | $XXX | California | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000955 | XXX | XXX | $XXX | California | 9/XX/2025 | 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 |
| 900000642 | XXX | XXX | $XXX | California | 9/XX/2025 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000301 | XXX | XXX | $XXX | Washington | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000451 | XXX | XXX | $XXX | South Carolina | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900001009 | XXX | XXX | $XXX | Florida | 7/XX/2022 | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000599 | XXX | XXX | $XXX | California | 9/XX/2025 | Primary | Cash Out B | A C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| 900000199 | XXX | XXX | $XXX | Michigan | 9/XX/2025 | 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 |
| 900000099 | XXX | XXX | $XXX | Pennsylvania | 9/XX/2025 | 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 |
| 900000742 | XXX | XXX | $XXX | New York | 9/XX/2025 | 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 |
| 900000765 | XXX | XXX | $XXX | Maine | 9/XX/2025 | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000286 | XXX | XXX | $XXX | Washington | 9/XX/2025 | Primary | Cash Out B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 900000103 | XXX | XXX | $XXX | Virginia | 8/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000150 | XXX | XXX | $XXX | Colorado | 9/XX/2025 | 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 |
| 900000093 | XXX | XXX | $XXX | Texas | 9/XX/2025 | Secondary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 900000069 | XXX | XXX | $XXX | Massachusetts | 8/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000049 | XXX | XXX | $XXX | Maryland | 8/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000231 | XXX | XXX | $XXX | California | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000254 | XXX | XXX | $XXX | Texas | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000784 | XXX | XXX | $XXX | Arizona | 9/XX/2025 | 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 |
| 900000034 | XXX | XXX | $XXX | California | 7/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000190 | XXX | XXX | $XXX | New York | 8/XX/2025 | Primary | Refinance B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 900000663 | XXX | XXX | $XXX | Maryland | 9/XX/2025 | 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 |
| 900000650 | XXX | XXX | $XXX | Washington | 9/XX/2025 | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 900000250 | XXX | XXX | $XXX | Wisconsin | 9/XX/2025 | 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 |
| 900000054 | XXX | XXX | $XXX | Washington | 9/XX/2025 | Primary | Refinance B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 900000723 | XXX | XXX | $XXX | Florida | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000005 | XXX | XXX | $XXX | Maryland | 7/XX/2025 | 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 |
| 900000562 | XXX | XXX | $XXX | North Carolina | 6/XX/2025 | Primary | Purchase B | A C B D | C | A C B D | C | A C B D | C | A C B D | C | A C B D | C | A |
| 900000842 | XXX | XXX | $XXX | Alabama | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000545 | XXX | XXX | $XXX | Tennessee | 9/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 900000591 | XXX | XXX | $XXX | Texas | 9/XX/2025 | 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 |
| 900000029 | XXX | XXX | $XXX | North Carolina | 7/XX/2025 | 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 |
| 900000300 | XXX | XXX | $XXX | Florida | 8/XX/2025 | 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 |
| 900000280 | XXX | XXX | $XXX | North Carolina | 8/XX/2025 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000714 | XXX | XXX | $XXX | California | 9/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 900000450 | XXX | XXX | $XXX | Wisconsin | 9/XX/2025 | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 900000087 | XXX | XXX | $XXX | Illinois | 8/XX/2025 | 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 |
| 900000012 | XXX | XXX | $XXX | Colorado | 6/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000482 | XXX | XXX | $XXX | Florida | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000619 | XXX | XXX | $XXX | Minnesota | 9/XX/2025 | 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 |
| 900000644 | XXX | XXX | $XXX | Colorado | 9/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000841 | XXX | XXX | $XXX | Florida | 9/XX/2025 | 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 |
| 900000073 | XXX | XXX | $XXX | Tennessee | 8/XX/2025 | 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 |
| 900000171 | XXX | XXX | $XXX | Montana | 9/XX/2025 | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 900000180 | XXX | XXX | $XXX | Ohio | 8/XX/2025 | 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 |
| 900000299 | XXX | XXX | $XXX | Florida | 9/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 900000526 | XXX | XXX | $XXX | Alaska | 9/XX/2025 | 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 |
| 900000569 | XXX | XXX | $XXX | New Jersey | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000761 | XXX | XXX | $XXX | Oregon | 9/XX/2025 | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 900000759 | XXX | XXX | $XXX | Georgia | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000624 | XXX | XXX | $XXX | Georgia | 9/XX/2025 | 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 |
| 900000590 | XXX | XXX | $XXX | Tennessee | 9/XX/2025 | 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 |
| 900000602 | XXX | XXX | $XXX | Georgia | 9/XX/2025 | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 900000327 | XXX | XXX | $XXX | Georgia | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000933 | XXX | XXX | $XXX | Illinois | 10/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000267 | XXX | XXX | $XXX | New Jersey | 9/XX/2025 | Primary | Purchase B | A C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| 900000040 | XXX | XXX | $XXX | Florida | 8/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000525 | XXX | XXX | $XXX | Florida | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000063 | XXX | XXX | $XXX | Texas | 8/XX/2025 | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 900000592 | XXX | XXX | $XXX | South Carolina | 9/XX/2025 | 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 |
| 900001005 | XXX | XXX | $XXX | Florida | 6/XX/2022 | 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 |
| 900000888 | XXX | XXX | $XXX | Virginia | 10/XX/2025 | 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 |
| 900000797 | XXX | XXX | $XXX | Florida | 9/XX/2025 | 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 |
| 900000598 | XXX | XXX | $XXX | Florida | 9/XX/2025 | 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 |
| 900000083 | XXX | XXX | $XXX | Texas | 8/XX/2025 | 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 |
| 900000186 | XXX | XXX | $XXX | Florida | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000212 | XXX | XXX | $XXX | Arizona | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000516 | XXX | XXX | $XXX | Arizona | 9/XX/2025 | 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 |
| 900001001 | XXX | XXX | $XXX | Idaho | 7/XX/2022 | Primary | Cash Out B | A C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| 900000108 | XXX | XXX | $XXX | California | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000118 | XXX | XXX | $XXX | South Carolina | 9/XX/2025 | 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 |
| 900000703 | XXX | XXX | $XXX | Alabama | 9/XX/2025 | 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 |
| 900000036 | XXX | XXX | $XXX | New Mexico | 8/XX/2025 | 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 |
| 900001016 | XXX | XXX | $XXX | Michigan | 8/XX/2022 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000460 | XXX | XXX | $XXX | Florida | 9/XX/2025 | 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 |
| 900000050 | XXX | XXX | $XXX | Texas | 8/XX/2025 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000074 | XXX | XXX | $XXX | North Carolina | 8/XX/2025 | Primary | Cash Out A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 900000031 | XXX | XXX | $XXX | Oklahoma | 8/XX/2025 | 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 |
| 900000552 | XXX | XXX | $XXX | Arizona | 8/XX/2025 | Secondary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000683 | XXX | XXX | $XXX | Colorado | 10/XX/2025 | 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 |
| 900000015 | XXX | XXX | $XXX | Florida | 7/XX/2025 | 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 |
| 900000293 | XXX | XXX | $XXX | California | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000511 | XXX | XXX | $XXX | Florida | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000177 | XXX | XXX | $XXX | California | 9/XX/2025 | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 900000175 | XXX | XXX | $XXX | New Jersey | 9/XX/2025 | 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 |
| 900000798 | XXX | XXX | $XXX | New York | 9/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 900000167 | XXX | XXX | $XXX | Tennessee | 9/XX/2025 | 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 |
| 900000225 | XXX | XXX | $XXX | Ohio | 9/XX/2025 | 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 |
| 900000288 | XXX | XXX | $XXX | Colorado | 10/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000604 | XXX | XXX | $XXX | California | 9/XX/2025 | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000129 | XXX | XXX | $XXX | New Jersey | 7/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 900000461 | XXX | XXX | $XXX | Massachusetts | 9/XX/2025 | 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 |
| 900000778 | XXX | XXX | $XXX | Nevada | 9/XX/2025 | 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 |
| 900000573 | XXX | XXX | $XXX | Michigan | 9/XX/2025 | 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 |
| 900000443 | XXX | XXX | $XXX | Michigan | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000889 | XXX | XXX | $XXX | New York | 8/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 900000801 | XXX | XXX | $XXX | North Carolina | 9/XX/2025 | 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 |
| 900000026 | XXX | XXX | $XXX | Michigan | 9/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 900000060 | XXX | XXX | $XXX | Massachusetts | 8/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000033 | XXX | XXX | $XXX | Louisiana | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000961 | XXX | XXX | $XXX | Washington | 9/XX/2025 | 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 |
| Removed from deal | XXX | XXX | $XXX | Washington | 9/XX/2025 | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 900000871 | XXX | XXX | $XXX | Pennsylvania | 9/XX/2025 | 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 |
| 900000072 | XXX | XXX | $XXX | Idaho | 8/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000514 | XXX | XXX | $XXX | New Hampshire | 10/XX/2025 | 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 |
| 900000388 | XXX | XXX | $XXX | New York | 9/XX/2025 | 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 |
| 900000686 | XXX | XXX | $XXX | Florida | 8/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900001020 | XXX | XXX | $XXX | Florida | 8/XX/2022 | Investor | Purchase 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 |
| 900000214 | XXX | XXX | $XXX | Florida | 10/XX/2025 | 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 |
| 900000876 | XXX | XXX | $XXX | Texas | 9/XX/2025 | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900001022 | XXX | XXX | $XXX | Florida | 9/XX/2022 | 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 |
| 900000111 | XXX | XXX | $XXX | Georgia | 9/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 900000476 | XXX | XXX | $XXX | New York | 9/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000693 | XXX | XXX | $XXX | North Carolina | 10/XX/2025 | 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 |
| 900000006 | XXX | XXX | $XXX | Pennsylvania | 7/XX/2025 | 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 |
| 900000640 | XXX | XXX | $XXX | Oregon | 9/XX/2025 | 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 |
| 900001002 | XXX | XXX | $XXX | Florida | 6/XX/2022 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000486 | XXX | XXX | $XXX | California | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000027 | XXX | XXX | $XXX | North Carolina | 8/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000119 | XXX | XXX | $XXX | North Carolina | 8/XX/2025 | 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 |
| 900000782 | XXX | XXX | $XXX | Ohio | 9/XX/2025 | 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 |
| 900000583 | XXX | XXX | $XXX | California | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000042 | XXX | XXX | $XXX | Virginia | 8/XX/2025 | 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 |
| 900000057 | XXX | XXX | $XXX | Virginia | 8/XX/2025 | 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 |
| 900000708 | XXX | XXX | $XXX | South Carolina | 9/XX/2025 | 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 |
| 900000347 | XXX | XXX | $XXX | Louisiana | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000094 | XXX | XXX | $XXX | California | 8/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000636 | XXX | XXX | $XXX | Michigan | 9/XX/2025 | 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 |
| 900000262 | XXX | XXX | $XXX | Texas | 8/XX/2025 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000116 | XXX | XXX | $XXX | Missouri | 9/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 900000139 | XXX | XXX | $XXX | Maryland | 9/XX/2025 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000672 | XXX | XXX | $XXX | Texas | 9/XX/2025 | 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 |
| 900000702 | XXX | XXX | $XXX | Louisiana | 5/XX/2025 | 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 |
| 900000494 | XXX | XXX | $XXX | Massachusetts | 9/XX/2022 | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 900000221 | XXX | XXX | $XXX | Texas | 10/XX/2025 | 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 |
| 900000067 | XXX | XXX | $XXX | Virginia | 8/XX/2025 | 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 |
| 900000255 | XXX | XXX | $XXX | Tennessee | 8/XX/2025 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000013 | XXX | XXX | $XXX | Utah | 8/XX/2025 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000687 | XXX | XXX | $XXX | Ohio | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000956 | XXX | XXX | $XXX | Florida | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000593 | XXX | XXX | $XXX | Texas | 8/XX/2025 | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| Removed from deal | XXX | XXX | $XXX | Michigan | 8/XX/2022 | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 900000024 | XXX | XXX | $XXX | Alabama | 7/XX/2025 | 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 |
| 900001021 | XXX | XXX | $XXX | Florida | 8/XX/2022 | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 900001026 | XXX | XXX | $XXX | California | 7/XX/2022 | Primary | Purchase B A | B A D | D | B A D | D | B A D | D | B A D | D | B A D | D | B A |
| 900000176 | XXX | XXX | $XXX | Arkansas | 9/XX/2025 | 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 |
| 900000951 | XXX | XXX | $XXX | New York | 10/XX/2025 | 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 |
| 900000496 | XXX | XXX | $XXX | California | 9/XX/2025 | 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 |
| 900000945 | XXX | XXX | $XXX | Tennessee | 9/XX/2025 | 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 |
| 900000070 | XXX | XXX | $XXX | Florida | 8/XX/2025 | 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 |
| 900000614 | XXX | XXX | $XXX | Hawaii | 9/XX/2025 | Secondary | Purchase A | A C | A | A C | A | A C | A | A C | A | A C | A | A |
| 900000934 | XXX | XXX | $XXX | New York | 9/XX/2025 | Primary | Refinance B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 900000754 | XXX | XXX | $XXX | Massachusetts | 10/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000269 | XXX | XXX | $XXX | New York | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000577 | XXX | XXX | $XXX | Georgia | 9/XX/2025 | 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 |
| 900000717 | XXX | XXX | $XXX | California | 9/XX/2025 | 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 |
| 900000588 | XXX | XXX | $XXX | Virginia | 8/XX/2025 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000932 | XXX | XXX | $XXX | Florida | 9/XX/2025 | 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 |
| 900000028 | XXX | XXX | $XXX | North Carolina | 8/XX/2025 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000427 | XXX | XXX | $XXX | Ohio | 9/XX/2025 | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 900000004 | XXX | XXX | $XXX | Utah | 8/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000414 | XXX | XXX | $XXX | Ohio | 9/XX/2025 | 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 |
| 900000864 | XXX | XXX | $XXX | Florida | 9/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000023 | XXX | XXX | $XXX | Ohio | 8/XX/2025 | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 900000488 | XXX | XXX | $XXX | Georgia | 9/XX/2025 | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 900000613 | XXX | XXX | $XXX | Michigan | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000086 | XXX | XXX | $XXX | Idaho | 8/XX/2025 | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 900000561 | XXX | XXX | $XXX | Oregon | 9/XX/2025 | 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 |
| 900000473 | XXX | XXX | $XXX | Ohio | 9/XX/2025 | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 900000226 | XXX | XXX | $XXX | Pennsylvania | 9/XX/2025 | 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 |
| 900000365 | XXX | XXX | $XXX | Oregon | 9/XX/2025 | 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 |
| 900000885 | XXX | XXX | $XXX | Arizona | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000058 | XXX | XXX | $XXX | Idaho | 8/XX/2025 | 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 |
| 900000930 | XXX | XXX | $XXX | Indiana | 8/XX/2025 | 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 |
| 900000100 | XXX | XXX | $XXX | Virginia | 8/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000168 | XXX | XXX | $XXX | California | 10/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000425 | XXX | XXX | $XXX | Florida | 9/XX/2025 | 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 |
| 900000071 | XXX | XXX | $XXX | Wisconsin | 8/XX/2025 | 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 |
| 900000673 | XXX | XXX | $XXX | Texas | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 900000831 | XXX | XXX | $XXX | New Jersey | 8/XX/2025 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000802 | XXX | XXX | $XXX | Texas | 9/XX/2025 | 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 |
| 900000258 | XXX | XXX | $XXX | Utah | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000019 | XXX | XXX | $XXX | Nevada | 8/XX/2025 | 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 |
| 900000303 | XXX | XXX | $XXX | New Jersey | 9/XX/2025 | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 900000059 | XXX | XXX | $XXX | California | 8/XX/2025 | 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 |
| 900000117 | XXX | XXX | $XXX | California | 9/XX/2025 | 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 |
| 900000626 | XXX | XXX | $XXX | California | 9/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000159 | XXX | XXX | $XXX | Maryland | 9/XX/2025 | 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 |
| 900000161 | XXX | XXX | $XXX | South Carolina | 9/XX/2025 | 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 |
| 900000603 | XXX | XXX | $XXX | Colorado | 9/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 900000896 | XXX | XXX | $XXX | New York | 9/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 900000641 | XXX | XXX | $XXX | Texas | 9/XX/2025 | 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 |
| 900000046 | XXX | XXX | $XXX | Maryland | 8/XX/2025 | 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 |
| 900000873 | XXX | XXX | $XXX | California | 9/XX/2025 | Secondary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000597 | XXX | XXX | $XXX | Florida | 9/XX/2025 | 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 |
| 900000053 | XXX | XXX | $XXX | Oklahoma | 8/XX/2025 | 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 |
| 900000477 | XXX | XXX | $XXX | Oregon | 8/XX/2025 | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000867 | XXX | XXX | $XXX | Utah | 9/XX/2025 | 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 |
| 900000162 | XXX | XXX | $XXX | New Jersey | 10/XX/2025 | 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 |
| 900000892 | XXX | XXX | $XXX | Florida | 9/XX/2025 | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 900000854 | XXX | XXX | $XXX | Oregon | 9/XX/2025 | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 900000579 | XXX | XXX | $XXX | Colorado | 8/XX/2022 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000064 | XXX | XXX | $XXX | California | 8/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000127 | XXX | XXX | $XXX | Florida | 8/XX/2025 | 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 |
| 900000786 | XXX | XXX | $XXX | Arizona | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000667 | XXX | XXX | $XXX | North Carolina | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000455 | XXX | XXX | $XXX | New Jersey | 9/XX/2025 | 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 |
| 900000025 | XXX | XXX | $XXX | California | 8/XX/2025 | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 900000061 | XXX | XXX | $XXX | South Carolina | 8/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 900000431 | XXX | XXX | $XXX | Louisiana | 5/XX/2025 | 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 |
| 900000442 | XXX | XXX | $XXX | Missouri | 9/XX/2025 | 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 |
| 900000434 | XXX | XXX | $XXX | Tennessee | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000903 | XXX | XXX | $XXX | New York | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000003 | XXX | XXX | $XXX | Arizona | 6/XX/2025 | 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 |
| 900000530 | XXX | XXX | $XXX | Florida | 9/XX/2025 | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 900000766 | XXX | XXX | $XXX | Massachusetts | 9/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 900000309 | XXX | XXX | $XXX | California | 9/XX/2025 | Secondary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 900000353 | XXX | XXX | $XXX | Florida | 10/XX/2025 | 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 |
| 900000041 | XXX | XXX | $XXX | Alabama | 9/XX/2025 | Primary | Cash Out B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 900000392 | XXX | XXX | $XXX | California | 8/XX/2025 | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000002 | XXX | XXX | $XXX | Texas | 8/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000092 | XXX | XXX | $XXX | Georgia | 8/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000706 | XXX | XXX | $XXX | Florida | 9/XX/2025 | Investor | Refinance 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 |
| 900000669 | XXX | XXX | $XXX | New Jersey | 9/XX/2025 | 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 |
| 900000156 | XXX | XXX | $XXX | Georgia | 9/XX/2025 | 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 |
| 900000836 | XXX | XXX | $XXX | Texas | 9/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 900000666 | XXX | XXX | $XXX | Arizona | 5/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000271 | XXX | XXX | $XXX | California | 10/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000342 | XXX | XXX | $XXX | Pennsylvania | 9/XX/2025 | 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 |
| 900000920 | XXX | XXX | $XXX | New York | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000472 | XXX | XXX | $XXX | Washington | 8/XX/2025 | 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 |
| 900000240 | XXX | XXX | $XXX | Texas | 9/XX/2025 | Primary | Cash Out A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 900000572 | XXX | XXX | $XXX | New York | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000918 | XXX | XXX | $XXX | Texas | 9/XX/2025 | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 900000305 | XXX | XXX | $XXX | Hawaii | 9/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000856 | XXX | XXX | $XXX | Georgia | 9/XX/2025 | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 900000376 | XXX | XXX | $XXX | Massachusetts | 9/XX/2025 | 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 |
| 900000152 | XXX | XXX | $XXX | Ohio | 9/XX/2025 | 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 |
| 900000815 | XXX | XXX | $XXX | Florida | 9/XX/2025 | 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 |
| 900000216 | XXX | XXX | $XXX | Illinois | 9/XX/2025 | 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 |
| 900000296 | XXX | XXX | $XXX | California | 8/XX/2025 | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 900000278 | XXX | XXX | $XXX | Washington | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000318 | XXX | XXX | $XXX | Florida | 10/XX/2025 | 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 |
| 900000905 | XXX | XXX | $XXX | Arizona | 9/XX/2025 | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000253 | XXX | XXX | $XXX | Kentucky | 9/XX/2025 | 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 |
| 900000334 | XXX | XXX | $XXX | California | 9/XX/2025 | 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 |
| 900000538 | XXX | XXX | $XXX | Missouri | 9/XX/2025 | 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 |
| 900000941 | XXX | XXX | $XXX | California | 9/XX/2025 | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 900000919 | XXX | XXX | $XXX | Colorado | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000088 | XXX | XXX | $XXX | California | 8/XX/2025 | 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 |
| 900000458 | XXX | XXX | $XXX | Rhode Island | 9/XX/2025 | 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 |
| 900000122 | XXX | XXX | $XXX | Minnesota | 9/XX/2025 | 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 |
| 900000852 | XXX | XXX | $XXX | New Jersey | 9/XX/2025 | 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 |
| 900000292 | XXX | XXX | $XXX | Missouri | 9/XX/2025 | 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 |
| 900000089 | XXX | XXX | $XXX | California | 9/XX/2025 | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000230 | XXX | XXX | $XXX | Florida | 9/XX/2025 | 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 |
| 900000198 | XXX | XXX | $XXX | Pennsylvania | 9/XX/2025 | 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 |
| 900000949 | XXX | XXX | $XXX | Pennsylvania | 9/XX/2025 | 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 |
| 900000079 | XXX | XXX | $XXX | Ohio | 9/XX/2025 | 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 |
| 900000774 | XXX | XXX | $XXX | California | 9/XX/2025 | 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 |
| 900000736 | XXX | XXX | $XXX | Maryland | 9/XX/2025 | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 900000517 | XXX | XXX | $XXX | Arizona | 10/XX/2025 | 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 |
| 900000512 | XXX | XXX | $XXX | California | 10/XX/2025 | 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 |
| 900000521 | XXX | XXX | $XXX | New Jersey | 9/XX/2025 | 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 |
| 900000151 | XXX | XXX | $XXX | California | 9/XX/2025 | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000304 | XXX | XXX | $XXX | Idaho | 9/XX/2025 | 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 |
| 900000310 | XXX | XXX | $XXX | Massachusetts | 8/XX/2025 | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000739 | XXX | XXX | $XXX | Maryland | 9/XX/2025 | 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 |
| 900000692 | XXX | XXX | $XXX | Florida | 10/XX/2025 | 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 |
| 900000047 | XXX | XXX | $XXX | New Jersey | 8/XX/2025 | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000469 | XXX | XXX | $XXX | California | 9/XX/2025 | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 900000144 | XXX | XXX | $XXX | Michigan | 9/XX/2025 | 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 |
| 900000084 | XXX | XXX | $XXX | Tennessee | 8/XX/2025 | 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 |
| 900000490 | XXX | XXX | $XXX | New Jersey | 9/XX/2025 | 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 |
| 900000571 | XXX | XXX | $XXX | Texas | 9/XX/2025 | 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 |
| 900000417 | XXX | XXX | $XXX | Indiana | 8/XX/2025 | 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 |
| 900000921 | XXX | XXX | $XXX | Colorado | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000755 | XXX | XXX | $XXX | Texas | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000537 | XXX | XXX | $XXX | Oregon | 9/XX/2025 | 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 |
| 900000076 | XXX | XXX | $XXX | New Hampshire | 8/XX/2025 | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000491 | XXX | XXX | $XXX | Maryland | 9/XX/2025 | 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 |
| 900000846 | XXX | XXX | $XXX | Arizona | 8/XX/2025 | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 900000848 | XXX | XXX | $XXX | New Jersey | 9/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000270 | XXX | XXX | $XXX | Washington | 9/XX/2025 | 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 |
| 900000045 | XXX | XXX | $XXX | Virginia | 8/XX/2025 | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 900000462 | XXX | XXX | $XXX | California | 10/XX/2025 | 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 |
| 900000078 | XXX | XXX | $XXX | North Carolina | 8/XX/2025 | 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 |
| 900000948 | XXX | XXX | $XXX | Indiana | 9/XX/2025 | 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 |
| 900000917 | XXX | XXX | $XXX | Texas | 10/XX/2025 | 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 |
| 900000126 | XXX | XXX | $XXX | Georgia | 7/XX/2025 | 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 |
| 900000001 | XXX | XXX | $XXX | New York | 7/XX/2025 | 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 |
| 900000436 | XXX | XXX | $XXX | Texas | 8/XX/2025 | Primary | Cash Out B | A C B | D | A C B | D | A C B | D | A C B | D | A C B | D | A |
| 900000881 | XXX | XXX | $XXX | Texas | 10/XX/2025 | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 900000506 | XXX | XXX | $XXX | Washington | 9/XX/2025 | 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 |
| 900000287 | XXX | XXX | $XXX | Ohio | 10/XX/2025 | 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 |
| 900000021 | XXX | XXX | $XXX | Florida | 8/XX/2025 | Secondary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

**Data Compare**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| 900000028 | XXX | XXX |  | Residual Income | $XXX | $12935.25 | $XXX | 21.09313% | Total verified monthly income equals $28,400.56, monthly PITIA equals $10,922.86 and all other debts equal $1,814.00. Residual income is $15,663.70. | Initial |
| 900000042 | XXX | XXX |  | Residual Income | $XXX | $23044.52 | $XXX | 5.07296% | Total verified monthly income equals $32,833.34, monthly PITIA equals $3,908.00 and all other debts equal $4,711.78. Residual income is $24,213.56. | Initial |
| 900000064 | XXX | XXX |  | Residual Income | $XXX | $40532.98 | $XXX | 3.49256% | Total verified monthly income equals $72,659.17, monthly PITIA equals $22,511.65 and all other debts equal $8,198.90. Residual income is $41,948.62. | Initial |
| 900000089 | XXX | XXX |  | Residual Income | $XXX | $21735.33 | $XXX | 7.12646% | Total verified monthly income equals $40,737.02 and monthly PITIA is $7776.23 and all other debts equals $9,676.50. Residual income is $23,284.29. | Initial |
| 900000117 | XXX | XXX |  | Residual Income | $XXX | $12133.99 | $XXX | -5.54698% | Total verified monthly income equals $20,047.25, monthly PITIA equals $5,594.41 and all other debts equal $2,991.92. Residual income is $11,460.92. | Initial |
| 900000122 | XXX | XXX |  | Residual Income | $XXX | $14395.50 | $XXX | 26.04570% | Total verified monthly income equals $27,148.88, monthly PITIA equals $590.38 and all other debts equal $8,413.59 Residual income is $18,144.91. | Initial |
| 900001000 | XXX | XXX |  | Residual Income | $XXX | $7995.14 | $XXX | -11.60705% | Total verified monthly income equals $10969.42, monthly PITIA equals $3062.28 and all other debts equal $840. Residual income is $7067.14 | Initial |
| 900001001 | XXX | XXX |  | Residual Income | $XXX | $2603.46 | $XXX | -7.06751% | Total verified monthly income equals $$3933.74, monthly PITIA equals $1257.28 and all other debts equal $257. Residual income is $2419.46. | Initial |
| 900001002 | XXX | XXX |  | Residual Income | $XXX | $9492.49 | $XXX | -26.19702% | Total verified monthly income equals $10,979.54, monthly PITIA equals $1564.72 and all other debts equal $2409.08. Residual income is $7,005.74. | Initial |
| 900001021 | XXX | XXX |  | Residual Income | $XXX | $10852.30 | $XXX | -26.45015% | Total verified monthly income equals $14513.04, monthly PITIA equals $4415.25 and all other debts equal $2115.94. Residual income is $7981.85. | Initial |
| 900001022 | XXX | XXX |  | Borrower DTI Ratio Percent | $XXX | 42.022% | $XXX | -27.71400% | Total subject property PITIA (P&I $1.438.92 + Real Estate Taxes $177.26 + Hazard Insurance $171.56 + Flood Insurance $0.00 + MI $0.00 + HOA Dues $250.00) equals $2,037.74 and monthly other debts equals $0.00. Total verified monthly income equals $14,242.06. Borrower DTI ratio equals 14.308%. | Initial |
| 900001022 | XXX | XXX |  | Residual Income | $XXX | $8257.22 | $XXX | 47.80180% | Total verified monthly income equals $14,242.06 and monthly PITIA is $2,037.74 and all other debts equals $0.00. Residual income is $12,204.32. | Initial |
| 900001026 | XXX | XXX |  | Borrower DTI Ratio Percent | $XXX | 36.451% | $XXX | -6.57800% | Total subject property PITIA (P&I $1,640.10 + Real Estate Taxes $937.50 + Hazard Insurance $67.26 + Flood Insurance $0.00 + MI $0.00 + HOA Dues $115.00) equals $2,759.86 and monthly other debts equals $582.00. Total verified monthly income equals $11,186.94. Borrower DTI ratio equals 29.873%. | Initial |
| 900001026 | XXX | XXX |  | Residual Income | $XXX | $7109.23 | $XXX | 10.35062% | Total verified monthly income equals $11,186.94 and monthly PITIA is $2,759.86 and all other debts equals $582.00. Residual income is $7,845.08. | Initial |
| 900001027 | XXX | XXX |  | Borrower DTI Ratio Percent | $XXX | 36.904% | $XXX | -4.42300% | Total subject property PITIA (P&I $2973.43 + Real Estate Taxes $543.73 + Hazard Insurance $32.92 + Flood Insurance $0.00 + MI $0.00 + HOA Dues $613.00) equals $4163.09 and the monthly other debts equal $636.51. Total verified monthly income equals $14776.43. Borrower DTI ratio equals 32.48%. | Initial |
| 900001027 | XXX | XXX |  | Residual Income | $XXX | $9323.37 | $XXX | 7.00883% | Total verified monthly income equals $14776.43, monthly PITIA equals $4163.09 and all other debts equal $636.51. Residual income is $9976.83. | Initial |
| 900000162 | XXX | XXX |  | Residual Income | $XXX | $11409.14 | $XXX | 7.68638% | Total verified monthly income equals $18,162.02, monthly PITIA equals $5044.41 and all other debts equal $831.52. Residual income is $12,286.09. | Initial |
| 900000305 | XXX | XXX |  | Residual Income | $XXX | $21071.49 | $XXX | 4.43765% | Total verified monthly income equals $38,285.00, monthly PITIA equals $4906.00 and all other debts equal $11,372.43. Residual income is $22,006.57. | Initial |
| 900000494 | XXX | XXX |  | Sales Price (HUD-1 Line 101) | $XXX | XX | $XXX | 25.00000% | The Final Closing Disclosure signed on 09/XX/2022 reflects Sales Price as $XX. | Initial |
| 900000583 | XXX | XXX |  | Residual Income | $XXX | $84764.52 | $XXX | 7.90390% | Total verified monthly income equals $123,856.75, monthly PITIA equals $24816.52 and all other debts equal $7576.00. Residual income is $91,464.23. | Initial |
| 900000599 | XXX | XXX |  | Residual Income | $XXX | $133623.12 | $XXX | 3.50975% | Total verified monthly income equals $161,274.00, monthly PITIA equals $14358.04 and all other debts equal $8603.00. Residual income is $138,312.96. | Initial |
| 900000666 | XXX | XXX |  | Residual Income | $XXX | $12280.97 | $XXX | 4.16367% | Total verified monthly income equals $20323.19, monthly PITIA equals $1797.88 and all other debts equal $5733.00. Residual income is $12,792.31. | Initial |
| 900000836 | XXX | XXX |  | Original Appraised Value | $XXX | XX | $XXX | 0.75187% | The Appraisal dated 08/XX/2025 reflects Original Appraised value as $XX | Initial |
| 900000846 | XXX | XXX |  | Original Appraised Value | $XXX | XX | $XXX | 0.51813% | The Appraisal dated 08/XX/2025 reflects Original Appraised value as $XX. | Initial |
| 900000941 | XXX | XXX |  | Residual Income | $XXX | $32082.93 | $XXX | 6.88478% | Total verified monthly income equals $56688.51, monthly PITIA equals $18472.74 and all other debts equal $3924.00. Residual income is $34,291.77. | Initial |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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** | **Satisfied Exceptions** | **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** |
| 900000001 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 796 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/09/2025 |
| 900000002 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 49.817% | 49.817% | Primary | Purchase | 738 |  | XXXX | 7.92 | $49000.81 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.190% | No | Alternative | QC Complete | 09/25/2025 |
| 900000003 | XXXX | XXXX |  | XXXX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 79.971% | 79.971% | Investor | Purchase | 741 |  | XXXX | 12 | $19580.49 | 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 |  | 18.750% | No | Alternative | QC Complete | 07/07/2025 |
| 900000004 | XXXX | XXXX |  | XXXX | Utah | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Purchase | 731 |  | XXXX | 15.83 | $26858.33 | 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 |  | 33.182% | No | Full Documentation | QC Complete | 09/26/2025 |
| 900000005 | XXXX | XXXX |  | XXXX | Maryland | 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 8.846% Allowed 8.420% Overby +0.426%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: Maryland COMAR 09.03.06.02B(13) , COMAR09.03.09.02B(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>MD COMAR Higher-Priced Mortgage Loan Test: Charged 8.846% Allowed 8.420% Overby +0.426%<br>This loan is compliant with regulation MD COMAR, (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6). |  |  | Single Family | XX/XX/XXXX | 74.598% | 74.598% | Primary | Cash Out | 694 | 9.83 | XXXX | 8.66 | $14485.17 | 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 | $XXXX | 25.303% |  | Alternative | QC Complete | 09/09/2025 |
| 900000006 | XXXX | XXXX |  | XXXX | Pennsylvania | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower XXXX as it is required by the guideline.<br>Gap report present in file dated on 07/XX/2025<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | \*\*\* (WAIVED) Title holder is not an individual - EV W<br> COMMENT: Allowing LLC borrower for XXXX guidelines.<br>A copy of an exception approval letter is available in the loan file. | DTI: 41.73% DTI is less then the maximum guidelines requirement of 50.00%<br>FICO : 757 FICO Exceeds the guidelines requirement of 660<br>LTV: 75.00% LTV is less than the guideline requirement of 80.00%. | 4 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 757 |  | XXXX | 7.33 | $15739.16 | 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 |  | 41.736% | No | Full Documentation | QC Complete | 09/09/2025 |
| 900000010 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Refinance | 737 |  |  |  | $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 |  | 25.396% |  | Alternative | QC Complete | 09/25/2025 |
| 900000012 | XXXX | XXXX |  | XXXX | Colorado | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | PUD | XX/XX/XXXX | 89.105% | 89.105% | Primary | Purchase | 793 |  | XXXX | 5.83 | $51493.58 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.516% | No | Alternative | QC Complete | 09/09/2025 |
| 900000013 | XXXX | XXXX |  | XXXX | Utah | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | Single Family | XX/XX/XXXX | 78.807% | 78.807% | Primary | Refinance | 765 | 20.08 | XXXX | 7.58 | $14900.00 | 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 |  | 48.069% |  | Alternative | QC Complete | 09/10/2025 |
| 900000015 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 757 |  | XXXX | 4.5 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 01/02/2026 |
| 900000016 | XXXX | XXXX |  | XXXX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | 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 | DSCR | QC Complete | 09/25/2025 |
| 900000019 | XXXX | XXXX |  | XXXX | Nevada | 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 updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 09/XX/2025 - Received preliminary report with insured amount, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of Loan scorecard as it is missing.<br>Resolved 10/XX/2025 - Received XXXX document with loan program and loan details, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 50.000% | 50.000% | Investor | Cash Out | 761 |  |  |  | $7493.03 | 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 | $XXXX | 43.846% |  | Alternative | QC Complete | 09/10/2025 |
| 900000021 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Cash Out | 775 |  | XXXX | 25 | $41426.78 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXX | 49.291% |  | Full Documentation | QC Complete | 09/10/2025 |
| 900000023 | XXXX | XXXX |  | XXXX | Ohio | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide a copy of Secondary Valuation.<br>Resolved 10/XX/2025 - Received CDA, condition resolved. |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Cash Out | 691 | 22.16 | XXXX | 12.58 | $16479.22 | 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 | $XXXX | 22.827% |  | Alternative | QC Complete | 09/25/2025 |
| 900000024 | XXXX | XXXX |  | XXXX | Alabama | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Per Appr prop in flood zone but flood certs = no - EV R<br> COMMENT: Please provide an updated appraisal report reflecting the change in FEMA flood zone from 'Yes' to 'No.' The flood certificate indicates the property is located in Zone 'X.<br>Resolved 11/XX/2025: Resolved as the flood certificate indicates that the property is not located in a flood zone. However, the master condo association maintains flood insurance regardless. This discrepancy is a non-material issue, as the appraisal is less precise in this regard — the flood certificate provides a more reliable assessment of the property's flood zone status.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 781 |  | XXXX | 9.25 | $31756.35 | 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 |  | 21.466% | No | Full Documentation | QC Complete | 09/10/2025 |
| 900000025 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Refinance | 771 | 0.08 | XXXX | 7 | $264487.28 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 7.060% |  | Alternative | QC Complete | 01/02/2026 |
| 900000026 | XXXX | XXXX |  | XXXX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 720 | 30.08 | XXXX | 36.41 | $35507.54 | 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 | $XXXX | 42.851% |  | Alternative | QC Complete | 01/02/2026 |
| 900000027 | XXXX | XXXX |  | XXXX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 71.765% | 71.765% | Secondary | Purchase | 731 |  | XXXX | 30.83 | $228552.56 | 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 |  | 9.708% | No | Alternative | QC Complete | 09/26/2025 |
| 900000028 | XXXX | XXXX |  | XXXX | North Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | PUD | XX/XX/XXXX | 66.667% | 66.667% | Primary | Refinance | 702 | 1.5 | XXXX | 2.08 | $13929.23 | 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 |  | 44.847% |  | Full Documentation | QC Complete | 09/10/2025 |
| 900000029 | XXXX | XXXX |  | XXXX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 686 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/26/2025 |
| 900000031 | XXXX | XXXX |  | XXXX | Oklahoma | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 745 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/26/2025 |
| 900000033 | XXXX | XXXX |  | XXXX | Louisiana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 50.000% | 50.000% | Primary | Purchase | 793 |  | XXXX | 4.16 | $16061.23 | 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 |  | 16.827% | No | Alternative | QC Complete | 10/10/2025 |
| 900000034 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of Loan score card as it missing.<br>09/XX/2025 Resolved - Resolved as Loan score card is not required for delegated loans. |  |  | Single Family | XX/XX/XXXX | 73.232% | 73.232% | Primary | Purchase | 741 |  | XXXX | 0.5 | $23539.13 | 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: |  | 48.760% | No | Full Documentation | QC Complete | 09/10/2025 |
| 900000036 | XXXX | XXXX |  | XXXX | New Mexico | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 797 |  | XXXX | 2 | $7083.55 | 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 |  | 28.241% | No | Full Documentation | QC Complete | 09/10/2025 |
| 900000040 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 70.000% | 70.000% | Primary | Purchase | 810 |  | XXXX | 8.66 | $157180.36 | 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 |  | 6.528% | No | Alternative | QC Complete | 01/02/2026 |
| 900000041 | XXXX | XXXX |  | XXXX | Alabama | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Required Documentation Missing or Incomplete - EV W<br> COMMENT: Borrower's credit score of 717 is acceptable; however, 11 NSFs in the past 12 months exceed the allowable limit of 6. Additionally, no mortgage history is available, and property payment history cannot substitute—this materially impacts the credit-based risk assessment.<br>A copy of an exception approval letter is available in the loan file. | LTV: 36.80% LTV is less than the guideline requirement of 80.00%.<br>DTI: 10.04% DTI is less than the maximum guideline requirement of 50.00%. | Single Family | XX/XX/XXXX | 36.802% | 36.802% | Primary | Cash Out | 747 | 3 | XXXX | 14.67 | $20801.76 | 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 | $XXXX | 10.042% |  | Alternative | QC Complete | 10/10/2025 |
| 900000042 | XXXX | XXXX |  | XXXX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 724 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.253% | No | Full Documentation | QC Complete | 09/26/2025 |
| 900000045 | XXXX | XXXX |  | XXXX | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 797 |  | XXXX | 18.92 | $75492.10 | 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 |  | 10.980% | Yes | Alternative | QC Complete | 09/10/2025 |
| 900000046 | XXXX | XXXX |  | XXXX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 745 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/26/2025 |
| 900000047 | XXXX | XXXX |  | XXXX | New Jersey | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Dwelling amount $XXXX is not sufficient to cover loan amount $XXXX, Provide a copy replacement cost estimator.<br>Resolved 10/XX/2025 - Received RCE document and covers the dwelling, condition resolved. |  |  | Single Family | XX/XX/XXXX | 66.667% | 66.667% | Primary | Cash Out | 670 | 19 | XXXX | 19.92 | $132776.93 | 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:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXX | 13.004% |  | Alternative | QC Complete | 01/02/2026 |
| 900000049 | XXXX | XXXX |  | XXXX | Maryland | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 700 |  | XXXX | 17.33 | $26213.04 | 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 |  | 44.623% | Yes | Alternative | QC Complete | 09/26/2025 |
| 900000050 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide supporting income documents for the $6,135.03 as it is missing.<br>Resolved 10/XX/2025 - Received lender worksheet for other income and the Asset depletion income is waived due to equities account to available assets for closing, condition resolved. |  |  | PUD | XX/XX/XXXX | 63.683% | 63.683% | Primary | Refinance | 742 | 0.67 | XXXX | 2.67 | $22916.65 | 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 |  | 36.521% |  | Full Documentation | QC Complete | 09/25/2025 |
| 900000053 | XXXX | XXXX |  | XXXX | Oklahoma | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 801 |  | XXXX | 0.75 | $12235.58 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.696% | No | Full Documentation | QC Complete | 09/25/2025 |
| 900000054 | XXXX | XXXX |  | XXXX | Washington | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: NSF event of 8 exceed the guideline requirement of maximum six NSF event in the any 12-month period.<br>A copy of an exception approval letter is available in the loan file. | FICO: 719 FICO exceeds the guideline requirement of 640.<br>LTV: 70.00% LTV is less than the guideline requirement of 80.00%.<br>DTI: 2.22% DTI is less than the maximum guideline requirement of 50.00%. | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Refinance | 719 | 5 | XXXX | 2.58 | $271762.77 | 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 |  | 2.222% |  | Alternative | QC Complete | 10/10/2025 |
| 900000057 | XXXX | XXXX |  | XXXX | Virginia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Dwelling amount $XXXX is not sufficient to cover loan amount $XXXX, provide a copy of replacement cost estimator is being covered by the dwelling.<br>Resolved 10/XX/2025 - Received RCE document, condition resolved. |  |  | Single Family | XX/XX/XXXX | 65.217% | 65.217% | Investor | Refinance | 724 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type: |  |  |  | DSCR | QC Complete | 09/12/2025 |
| 900000058 | XXXX | XXXX |  | XXXX | Idaho | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 725 |  | XXXX | 9.58 | $108982.94 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 9.306% | No | Alternative | QC Complete | 09/25/2025 |
| 900000059 | XXXX | XXXX |  | XXXX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Preliminary title does not reflect the amount of $XXXX title insured coverage amount. provide a copy of updated supplemental report.<br>Resolved 09/XX/2025 - Received title supplement report, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | Single Family | XX/XX/XXXX | 65.169% | 65.169% | Investor | Refinance | 789 |  | XXXX | 18.25 | $23966.80 | 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 |  | 29.635% |  | Full Documentation | QC Complete | 09/10/2025 |
| 900000060 | XXXX | XXXX |  | XXXX | Massachusetts | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide business bank statements of XXXX for the month ending 1/XX/2025 as it is missing.<br>Resolved 09/XX/2025 - Received bank statements ending with 1/XX/2025, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 732 |  | XXXX | 9.92 | $15997.08 | 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 |  | 44.294% | No | Alternative | QC Complete | 09/10/2025 |
| 900000061 | XXXX | XXXX |  | XXXX | South Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 53.125% | 53.125% | Primary | Cash Out | 728 | 6.75 | XXXX | 13.42 | $6248.67 | 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 | $XXXX | 48.413% |  | Full Documentation | QC Complete | 01/02/2026 |
| 900000063 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 56.632% | 56.632% | Primary | Refinance | 786 | 23.25 | XXXX | 24.08 | $214806.80 | 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 |  | 10.538% |  | Alternative | QC Complete | 09/26/2025 |
| 900000064 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 64.286% | 64.286% | Primary | Purchase | 753 |  | XXXX | 3.42 | $60753.26 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.267% | No | Full Documentation | QC Complete | 09/12/2025 |
| 900000067 | XXXX | XXXX |  | XXXX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 50.000% | 50.000% | Investor | Purchase | 789 |  | XXXX | 5.58 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/12/2025 |
| 900000069 | XXXX | XXXX |  | XXXX | Massachusetts | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 763 |  | XXXX | 10.08 | $27866.67 | 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 |  | 30.247% | No | Full Documentation | QC Complete | 09/26/2025 |
| 900000070 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 753 |  | XXXX | 6.33 | $9291.66 | 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 |  | 47.801% | No | Full Documentation | QC Complete | 09/11/2025 |
| 900000071 | XXXX | XXXX |  | XXXX | Wisconsin | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 757 |  | XXXX | 12.66 | $12433.33 | 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 |  | 39.686% | No | Full Documentation | QC Complete | 09/24/2025 |
| 900000072 | XXXX | XXXX |  | XXXX | Idaho | 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 Mortgage statement for the Property address XXXX.<br>Resolved 09/XX/2025 - Received LOX as this is private mortgage and there is no mortgage statement - Received cashiers check, condition resolved. |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 725 |  | XXXX | 2.5 | $385319.55 | 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 |  | 2.722% | No | Alternative | QC Complete | 09/11/2025 |
| 900000073 | XXXX | XXXX |  | XXXX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 60.000% | 60.000% | Investor | Purchase | 787 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 10/10/2025 |
| 900000074 | XXXX | XXXX |  | XXXX | North Carolina | 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 8.452% Allowed 8.250% Overby +0.202%<br>This loan is compliant with regulation 1026.35 |  |  | PUD | XX/XX/XXXX | 67.473% | 67.473% | Primary | Cash Out | 668 | 4.66 | XXXX | 8.33 | $157283.98 | 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 | $XXXX | 3.582% |  | Alternative | QC Complete | 09/24/2025 |
| 900000076 | XXXX | XXXX |  | XXXX | New Hampshire | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 771 |  | XXXX | 35 | $16120.96 | 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 |  | 48.235% | No | Full Documentation | QC Complete | 01/02/2026 |
| 900000078 | XXXX | XXXX |  | XXXX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 734 |  | XXXX | 10.33 | $116478.60 | 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 |  | 4.827% | No | Alternative | QC Complete | 09/26/2025 |
| 900000079 | XXXX | XXXX |  | XXXX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 58.881% | 58.881% | Investor | Cash Out | 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 | $XXXX |  |  | DSCR | QC Complete | 10/09/2025 |
| 900000081 | XXXX | XXXX |  | XXXX | Illinois | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 71.500% | 71.500% | 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 | $XXXX |  |  | DSCR | QC Complete | 10/09/2025 |
| 900000082 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 41.803% | 41.803% | Primary | Cash Out | 697 | 26 | XXXX | 23.18 | $11859.50 | 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 | $XXXX | 42.616% |  | Alternative | QC Complete | 10/10/2025 |
| 900000083 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 50.000% | 50.000% | Investor | Purchase | 673 |  | XXXX | 8 | $32766.00 | 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 |  | 25.460% | No | Alternative | QC Complete | 09/26/2025 |
| 900000084 | XXXX | XXXX |  | XXXX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | 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 | DSCR | QC Complete | 09/26/2025 |
| 900000086 | XXXX | XXXX |  | XXXX | Idaho | 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 9.667% Allowed 9.110% Overby +0.557%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of CPA Letter, as it is missing.<br>Resolved 09/XX/2025 - Received business VOE , condition resolved.<br>\*\*\* (CURED) Transmittal (1008) is Missing - EV R<br> COMMENT: Provide a copy of 1008, as it is missing.<br>Resolved 09/XX/2025 - Received 1008 document, condition resolved. |  |  | PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 734 |  | XXXX | 2.58 | $13167.34 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.480% | No | Alternative | QC Complete | 09/12/2025 |
| 900000087 | XXXX | XXXX |  | XXXX | Illinois | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide Hazard insurance with Lender Mortgagee Clause.<br>Resolved 10/XX/2025 - Received HOI with mortgage clause, condition resolved. |  |  | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 67.568% | 67.568% | Investor | Cash Out | 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 | $XXXX |  |  | DSCR | QC Complete | 09/26/2025 |
| 900000088 | XXXX | XXXX |  | XXXX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Title issue - EV R<br> COMMENT: Provide an updated title with lender loss payee clause "ISAOA/ATIMA" for the proposed name insured.<br>Resolved 10/XX/2025 - Received Final title policy, condition resolved. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 764 |  | XXXX | 25.08 | $24812.99 | 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 |  | 37.824% | No | Full Documentation | QC Complete | 09/26/2025 |
| 900000089 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide VOM for creditor XXXX (XXXX) & XXXX (XXXX) to verify recent 12 months payment history.<br>Resolved 10/XX/2025 - Received bank statement with 12 months payment history, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Purchase | 795 |  | XXXX | 12.66 | $40737.02 | 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 |  | 42.842% | No | Full Documentation | QC Complete | 09/26/2025 |
| 900000091 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 55.000% | 55.000% | Investor | Cash Out | 685 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXX |  |  | DSCR | QC Complete | 10/10/2025 |
| 900000092 | XXXX | XXXX |  | XXXX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 787 |  | XXXX | 8.08 | $73084.94 | Mos Reviewed:24<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: |  | 19.910% | No | Alternative | QC Complete | 09/26/2025 |
| 900000093 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 51.231% | 51.231% | Secondary | Refinance | 763 |  | XXXX | 24 | $35262.50 | 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 |  | 49.562% |  | Full Documentation | QC Complete | 10/09/2025 |
| 900000094 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Preliminary title does not reflect the amount of $XXXX title insured coverage amount. provide a copy of supplemental report.<br>Resolved 10/XX/2025 - Received supplement report, condition resolved. |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 723 |  | XXXX | 6.58 | $41781.15 | 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 |  | 16.902% | No | Alternative | QC Complete | 09/24/2025 |
| 900000099 | XXXX | XXXX |  | XXXX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 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 | $XXXX |  |  | DSCR | QC Complete | 10/10/2025 |
| 900000100 | XXXX | XXXX |  | XXXX | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 768 |  | XXXX | 3.58 | $143623.39 | 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 |  | 9.622% | No | Alternative | QC Complete | 09/26/2025 |
| 900000103 | XXXX | XXXX |  | XXXX | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 731 |  | XXXX | 12.33 | $62609.99 | 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 |  | 25.677% | No | Alternative | QC Complete | 01/02/2026 |
| 900000107 | XXXX | XXXX |  | XXXX | Colorado | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | 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 | DSCR | QC Complete | 09/26/2025 |
| 900000108 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Purchase | 749 |  | XXXX | 6.83 | $16745.00 | 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 |  | 31.205% | Yes | Full Documentation | QC Complete | 10/09/2025 |
| 900000110 | XXXX | XXXX |  | XXXX | Oklahoma | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 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 | DSCR | QC Complete | 09/26/2025 |
| 900000111 | XXXX | XXXX |  | XXXX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 765 | 8.66 | XXXX | 3.25 | $73368.17 | 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 | $XXXX | 13.295% |  | Alternative | QC Complete | 10/10/2025 |
| 900000114 | XXXX | XXXX |  | XXXX | New Jersey | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Required Documentation Missing or Incomplete - EV W<br> COMMENT: Exception for 25 DUNSFs in the past 12 months on business bank statement Occupancy explanation not accepted; loan may proceed as investment. Appraisal shows tenant occupancy.<br>A copy of an exception approval letter is available in the loan file. | Residual Income : $61,108.54 monthly<br>DTI: 22.23% DTI is less than the maximum guideline requirement of 50.00%. | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 703 |  | XXXX | 36.58 | $78205.23 | 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 | $XXXX | 21.861% |  | Alternative | QC Complete | 10/09/2025 |
| 900000116 | XXXX | XXXX |  | XXXX | Missouri | 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 9.733% Allowed 8.070% Overby +1.663%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 755 |  | XXXX | 8.66 | $72259.18 | 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 |  | 8.231% | Yes | Alternative | QC Complete | 10/09/2025 |
| 900000117 | XXXX | XXXX |  | XXXX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 761 |  | XXXX | 6.58 | $16672.25 | 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 |  | 42.830% | No | Full Documentation | QC Complete | 10/10/2025 |
| 900000118 | XXXX | XXXX |  | XXXX | South Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 754 |  | XXXX | 6.25 | $12977.32 | 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 |  | 43.469% | No | Full Documentation | QC Complete | 01/02/2026 |
| 900000119 | XXXX | XXXX |  | XXXX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | 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 | DSCR | QC Complete | 10/09/2025 |
| 900000122 | XXXX | XXXX |  | XXXX | Minnesota | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 70.525% | 70.525% | Investor | Refinance | 707 |  | XXXX | 3.33 | $18211.79 | 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 |  | 33.165% |  | Full Documentation | QC Complete | 10/09/2025 |
| 900000995 | XXXX | XXXX |  | XXXX | Louisiana | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final 1003 does not has LO sign - EV R<br> COMMENT: As per loan file Final & Initial 1003 LO sign is missing .<br>Resolved: Received 1003 with LO Signature - 08/09 |  |  | Single Family | XX/XX/XXXX | 64.762% | 64.762% | Primary | Cash Out | 761 | 20 | XXXX | 22.41 | $6726.62 | 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 | $XXXX | 23.620% |  | Alternative | QC Complete | 08/05/2022 |
| 900001000 | XXXX | XXXX |  | XXXX | Florida | 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 7.413% Allowed 6.660% Over by +0.753%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 703 |  | XXXX | 3 | $5484.71 | 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 |  | 35.574% | Yes | Alternative | QC Complete | 01/02/2026 |
| 900001001 | XXXX | XXXX |  | XXXX | Idaho | 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 7.586 % Allowed 6.870% Over by +0.716%.<br>This loan is compliant with regulation 1026.35. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The appraisal dated XX/XX/XXXX shows subject property as XXXX. According to guidelines, log home is ineligible property type. Missing exception approval letter with appropriate compensating factors.<br>A copy of an exception approval letter has been received. | LTV: 46.96% LTV is less than the guideline requirement of 80.00%.<br>DTI: 38.50% DTI is less than the maximum guideline requirement of 50.00%. | Single Family | XX/XX/XXXX | 46.964% | 46.964% | Primary | Cash Out | 778 | 5 | XXXX | 4 | $3933.74 | 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 | $XXXX | 38.495% |  | Alternative | QC Complete | 01/02/2026 |
| 900001002 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Title review shows no release for prior mortgage - EV R<br> COMMENT: Missing Satisfaction of Mortgage recorded on XX/XX/XXXX for O.R. Book: #XXXX, Page 981 reflecting on the Title report.<br>Resolved: Final Title Policy Received on 8/XX/2022 - 8/17<br>\*\*\* (CURED) The Credit LOX is missing - EV R<br> COMMENT: Following inquiry reflects on credit report: XXXX<br>Resolved: Credit LOX received on 8/XX/2022 - 8/18 |  |  | PUD | XX/XX/XXXX | 44.667% | 44.667% | Primary | Refinance | 680 | 4.16 | XXXX | 17 | $10979.54 | 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 |  | 36.193% |  | Alternative | QC Complete | 08/05/2022 |
| 900001005 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 65.000% | 65.000% | Investor | Purchase | 695 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 08/05/2022 |
| 900001009 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final Application not signed and hand-dated by Loan Originator - EV R<br> COMMENT: Final 1003 and initial 1003 LO Signature missing in the application.<br>Resolved: Received 1003 with LO Signature - 08/09 |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Purchase | 775 |  | XXXX | 6.66 | $39080.57 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.921% | No | Alternative | QC Complete | 08/05/2022 |
| 900001016 | XXXX | XXXX |  | XXXX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 799 |  | XXXX | 20.67 | $8170.42 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.794% | No | Full Documentation | QC Complete | 08/10/2022 |
| Removed from deal | XXXX | XXXX |  | XXXX | Michigan | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final 1003 does not has LO sign - EV R<br> COMMENT: As per loan package Final & initial 1003 Lo sign missing.<br>Resolved: Initial & Final 1003 received - 9/12<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 7.359% Allowed 7.120% Over by +0.239%<br>This loan is compliant with regulation 1026.35. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 58.824% | 58.824% | Primary | Purchase | 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 |  |  | No | Alternative | QC Complete | 01/02/2026 |
| 900001020 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 4 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: As per lending guideline (XXXX (07.07.2022 v22.3) R-JV-DTC.pdf) min FICO score is 720 and max LTV is 70%. As per loan file its FICO score is 704 and LTV is 70%.<br>Not Resolved: Needed a new exception approval with name & signature - 9/8<br>A copy of an exception approval letter has been received.- 9/13 | Length of Employment: 5 years with the same business exceeds the minimum requirement of 2 years.<br>Reserves: The 11 months of available reserves are more than the guideline requirement of 6 months. | PUD | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 704 |  | XXXX | 2.08 | $17045.14 | 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 |  | 36.337% | No | Alternative | QC Complete | 09/01/2022 |
| 900001021 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final 1003 does not has LO sign - EV R<br> COMMENT: LO Sign missing in initial 1003.<br>Resolved: Signed copy of 1003 received on 9/XX/2022<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 8.785% Allowed 7.110% Over by +1.675%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 745 |  | XXXX | 2.83 | $14513.04 | 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 |  | 45.002% | No | Alternative | QC Complete | 05/14/2025 |
| 900001022 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 62.338% | 62.338% | Investor | Purchase | 731 |  | XXXX | 11.42 | $7121.03 | 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 |  | 14.308% | No | Alternative | QC Complete | 09/15/2022 |
| 900001026 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 3 | 2 | 1 | 1 | 2 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV 2<br> COMMENT: As Per Preliminary Title Policy Amount of Title insurance is $XXXX which is less than mortgage amount of $XXXX. Amount of insurance does not meet loan amount, Required final title policy.<br>Resolved: 8/XX/2022 - Final Title Policy received.<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV 2<br> COMMENT: TRID Violation due to 10% of Title State required contingence fee, Title electronic recording fee, Title Sub-escrow fee, Title Courier fee, Title Endorsement fee, Title Wire transfer fee and Recording fee increase on Final CD dated 07/XX/2022. Initial LE dated 06/XX/2022 reflects 10% fees totaling $1674.00, however, Final CD dated 07/XX/2022 reflects $2251.00. This is a fee increase of $410‬.10 which exceeds the 10% tolerance. Please provide either a valid COC or PCCD, LOE, proof of delivery, copy of refund check to cure the tolerance amount of $410.10.<br>Cured 8/XX/2022 : Received PCCD document and updated, hence condition cleared. |  |  | PUD | XX/XX/XXXX | 37.222% | 37.222% | Primary | Purchase | 816 |  | XXXX | 45.42 | $9264.04 | 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 |  | 29.873% | No | Full Documentation | QC Complete | 08/04/2022 |
| 900001027 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final 1003 does not has LO sign - EV R<br> COMMENT: In final 1003 LO signature missing in the loan package.<br>Resolved - 1003 Received with LO signature - 08/09<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 7.030% Allowed 6.200% Over by +0.830%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Misrepresentation of Housing History - EV R<br> COMMENT: As per lending guide minimum 2 years housing history is required. However in final 1003 years in current home is mentioned as "0" years for the current property "XXXX" . Needed Corrected 1003 with housing history <br>Note: Transaction is refinance of primary residence.<br>Not Resolved : Still needed 1003 with Housing history. As per credit report refinance month reviewer is 35 months however on 1003 no housing history mentioned.<br>Not Resolved : Still needed 1003 with Housing history. As per credit report refinance month reviewer is 35 months however on 1003 no housing history mentioned. 8/XX/2022<br>Resolved: LOX received on 08/XX/2022 stating that borrower is moved to current address in 60 days - 08/19<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: (CA AB 260, California Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged 7.030% Allowed 6.200% Over by +0.830%<br>This loan is compliant with regulation CA AB 260, California Financial Code Division 1.94995(a) |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 43.250% | 43.250% | Primary | Refinance | 778 | 2 | XXXX | 0.33 | $6149.77 | 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 |  | 32.481% |  | Full Documentation | QC Complete | 05/14/2025 |
| 900000126 | XXXX | XXXX |  | XXXX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 65.000% | 65.000% | Investor | Cash Out | 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 | $XXXX |  |  | DSCR | QC Complete | 08/12/2025 |
| 900000127 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 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:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  |  | No | DSCR | QC Complete | 09/11/2025 |
| 900000129 | XXXX | XXXX |  | XXXX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 56.966% | 56.966% | Primary | Cash Out | 739 | 2 | XXXX | 7.41 | $16809.13 | 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 | $XXXX | 42.108% |  | Alternative | QC Complete | 08/12/2025 |
| 900000139 | XXXX | XXXX |  | XXXX | Maryland | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025: Resolved as per the updated guidelines not require UDM. |  |  | Single Family | XX/XX/XXXX | 45.276% | 45.276% | Primary | Refinance | 770 | 1.83 | XXXX | 23.58 | $13511.33 | 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 |  | 38.204% |  | Full Documentation | QC Complete | 09/23/2025 |
| 900000143 | XXXX | XXXX |  | XXXX | Michigan | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 725 | 5 | XXXX | 7.08 | $38687.07 | 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 | $XXXX | 26.562% |  | Alternative | QC Complete | 09/17/2025 |
| 900000144 | XXXX | XXXX |  | XXXX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 795 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 10/07/2025 |
| 900000150 | XXXX | XXXX |  | XXXX | Colorado | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 723 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/18/2025 |
| 900000151 | XXXX | XXXX |  | XXXX | California | 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 $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 10/XX/2025 - Received Final title policy, condition resolved.<br>\*\*\* (CURED) Title issue - EV R<br> COMMENT: The subject transaction closed in the name of a trust; however, the file does not contain an executed and notarized copy of the underwriter and title-approved Trust Certification.<br>10/XX/2025 Resolved: The copy of Trust cert resolves the condition. |  |  | Single Family | XX/XX/XXXX | 17.447% | 17.447% | Primary | Cash Out | 806 | 25 |  |  | $10583.08 | 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 | $XXXX | 17.115% |  | Alternative | QC Complete | 10/01/2025 |
| 900000152 | XXXX | XXXX |  | XXXX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | 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 | DSCR | QC Complete | 09/18/2025 |
| 900000156 | XXXX | XXXX |  | XXXX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 10/14/2025 |
| 900000158 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 796 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 10/07/2025 |
| 900000159 | XXXX | XXXX |  | XXXX | Maryland | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Credit: Housing payment history<br> Requesting exception to permit $XXXX loan amount for 75% LTV<br>A copy of an exception approval letter is available in the loan file. | FICO: 772 FICO exceeds the guideline requirement of 720.<br>DSCR: 1.59 DSCR exceeds the guideline requirement of 1.00. | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 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 | $XXXX |  |  | DSCR | QC Complete | 10/07/2025 |
| 900000161 | XXXX | XXXX |  | XXXX | South Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 790 |  | XXXX | 23.33 | $23006.56 | 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 |  | 19.413% | No | Alternative | QC Complete | 01/02/2026 |
| 900000162 | XXXX | XXXX |  | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 763 |  | XXXX | 13.75 | $18021.87 | 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 |  | 32.353% | No | Full Documentation | QC Complete | 01/02/2026 |
| 900000167 | XXXX | XXXX |  | XXXX | Tennessee | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final Application Incomplete - EV R<br> COMMENT: Provided updated final application with change in intended occupancy for property address "XXXX" from primary residence to investment.<br>Resolved 09/XX/2025 - Received corrected 1003, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing lease agreement for property address XXXX<br>Resolved 09/XX/2025 - Received Lease agreement for unit 2, condition resolved. |  |  | 4 Family | XX/XX/XXXX | 81.716% | 81.716% | Investor | Purchase | 788 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/17/2025 |
| 900000168 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 787 |  | XXXX | 6.33 | $19353.07 | 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 |  | 40.474% | No | Alternative | QC Complete | 10/15/2025 |
| 900000171 | XXXX | XXXX |  | XXXX | Montana | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Initial LE - EV R<br> COMMENT: Missing Initial Loan Estimate.<br>Resolved 10/XX/2025: Received Initial Loan Estimate dated 09/XX/2025 and exception is cleared. |  |  | Single Family | XX/XX/XXXX | 62.000% | 62.000% | Primary | 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 | 10/10/2025 |
| 900000175 | XXXX | XXXX |  | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 75.000% | 75.000% | 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 | DSCR | QC Complete | 09/23/2025 |
| 900000176 | XXXX | XXXX |  | XXXX | Arkansas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the evidence wire receipt for the gift amount of $100,000.00, as it is missing.<br>Resolved 10/XX/2025 - Received wire receipt for $100,000.00, condition resolved. |  |  | PUD | XX/XX/XXXX | 70.000% | 70.000% | 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 | DSCR | QC Complete | 09/30/2025 |
| 900000177 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception to waive 2nd appraisal due to flipping Seller obtained property 4/2025 and contract signed 5/2025<br>A copy of an exception approval letter is available in the loan file. | DTI: 20.51% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 80.00% LTV is less than the guideline requirement of 90.00%.<br>FICO: 728 FICO exceeds the guideline requirement of 720. | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 728 |  | XXXX | 1.67 | $9316.00 | 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 |  | 37.934% | No | Alternative | QC Complete | 10/13/2025 |
| 900000180 | XXXX | XXXX |  | XXXX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 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 |  |  | No | DSCR | QC Complete | 09/16/2025 |
| 900000186 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 777 |  | XXXX | 0.25 | $14411.57 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.701% | No | Alternative | QC Complete | 09/30/2025 |
| 900000190 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower XXXX as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Waive 2nd full appraisal for loan amount >$1.5mil.<br>A copy of an exception approval letter is available in the loan file. | FICO: 793 FICO exceeds the guideline requirement of 700.<br>Residual Income: $32,560.94 monthly.<br>DTI: 33.63% DTI is less than the maximum guideline requirement of 50.00%. | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 58.660% | 58.660% | Primary | Refinance | 793 | 1.5 | XXXX | 8.66 | $49056.97 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.626% |  | Alternative | QC Complete | 09/16/2025 |
| 900000195 | XXXX | XXXX |  | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 49.524% | 49.524% | Secondary | Cash Out | 760 |  | XXXX | 16.16 | $2470.00 | 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 | $XXXX | 46.491% |  | Alternative | QC Complete | 10/09/2025 |
| 900000198 | XXXX | XXXX |  | XXXX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 75.000% | 75.000% | 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 | DSCR | QC Complete | 10/09/2025 |
| 900000199 | XXXX | XXXX |  | XXXX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 763 |  | XXXX | 2.08 | $7111.50 | 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 |  | 39.963% | No | Full Documentation | QC Complete | 09/24/2025 |
| 900000212 | XXXX | XXXX |  | XXXX | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 66.667% | 66.667% | Primary | Purchase | 800 |  | XXXX | 2.66 | $3695.07 | 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 |  | 48.489% | No | Full Documentation | QC Complete | 10/13/2025 |
| 900000214 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 10/14/2025 |
| 900000216 | XXXX | XXXX |  | XXXX | Illinois | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 09/24/2025 |
| 900000221 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 788 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 10/14/2025 |
| 900000225 | XXXX | XXXX |  | XXXX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | 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 | DSCR | QC Complete | 09/29/2025 |
| 900000226 | XXXX | XXXX |  | XXXX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 80.000% | 80.000% | 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 | DSCR | QC Complete | 10/10/2025 |
| 900000227 | XXXX | XXXX |  | XXXX | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 778 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/23/2025 |
| 900000230 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 10/09/2025 |
| 900000231 | XXXX | XXXX |  | XXXX | California | 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 updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 10/XX/2025 - Received supplement report, condition resolved. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 747 |  |  |  | $20152.79 | 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 |  | 49.214% | No | Alternative | QC Complete | 09/29/2025 |
| 900000235 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 764 |  | XXXX | 4.67 | $54725.68 | 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 |  | 46.131% | No | Alternative | QC Complete | 09/26/2025 |
| 900000240 | XXXX | XXXX |  | XXXX | Texas | 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 8.659% Allowed 8.130% Overby +0.529%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Cash Out | 648 | 16 | XXXX | 2.58 | $9079.25 | 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 | $XXXX | 35.539% |  | Alternative | QC Complete | 10/10/2025 |
| 900000243 | XXXX | XXXX |  | XXXX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 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 | $XXXX |  |  | DSCR | QC Complete | 10/01/2025 |
| 900000250 | XXXX | XXXX |  | XXXX | Wisconsin | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 736 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/16/2025 |
| 900000253 | XXXX | XXXX |  | XXXX | Kentucky | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 65.000% | 65.000% | Investor | Cash Out | 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 | $XXXX |  |  | DSCR | QC Complete | 10/08/2025 |
| 900000254 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 669 |  | XXXX | 4.33 | $6709.07 | 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 |  | 44.127% | Yes | Alternative | QC Complete | 01/02/2026 |
| 900000255 | XXXX | XXXX |  | XXXX | Tennessee | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 36.000% | 36.000% | Primary | Refinance | 776 | 0.08 | XXXX | 2.5 | $142713.76 | 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 |  | 5.903% |  | Alternative | QC Complete | 09/16/2025 |
| 900000258 | XXXX | XXXX |  | XXXX | Utah | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 61.563% | 61.563% | Primary | Purchase | 782 |  | XXXX | 4.66 | $4418.27 | 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 |  | 42.013% | No | Full Documentation | QC Complete | 10/09/2025 |
| 900000262 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 55.000% | 55.000% | Primary | Refinance | 727 | 1.16 | XXXX | 32.58 | $204218.83 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 9.872% |  | Alternative | QC Complete | 09/16/2025 |
| 900000267 | XXXX | XXXX |  | XXXX | New Jersey | 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 8.609% Allowed 8.130% Overby +0.479%<br>This loan is compliant with regulation 1026.35. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Borrower is non-permanent resident. Only an EAD provided and shows category C-09<br>A copy of an exception approval letter is available in the loan file. | FICO: 734 FICO exceeds the guideline requirement of 720.<br>Reserves: The 55 months of available reserves are more than the guideline requirement of 6 months. | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 734 |  | XXXX | 3.25 | $11070.27 | 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 |  | 46.909% | Yes | Alternative | QC Complete | 09/29/2025 |
| 900000269 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 797 |  | XXXX | 15.66 | $24904.79 | 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 |  | 48.220% | No | Alternative | QC Complete | 09/24/2025 |
| 900000270 | XXXX | XXXX |  | XXXX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 754 |  | XXXX | 17.58 | $279824.51 | 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 |  | 3.816% | No | Alternative | QC Complete | 10/08/2025 |
| 900000271 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 654 |  | XXXX | 7.5 | $300674.97 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 3.549% | No | Alternative | QC Complete | 01/02/2026 |
| 900000278 | XXXX | XXXX |  | XXXX | Washington | 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 proof document for the subordinate lien (second mortgage principal and interest) amounting to $3,000.<br>Resolved 09/XX/2025 - Received LOX as $3000 is removed from the DTI calculation, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 65.625% | 65.625% | Primary | Purchase | 787 |  | XXXX | 5 | $20646.86 | 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 |  | 32.614% | No | Alternative | QC Complete | 09/12/2025 |
| 900000280 | XXXX | XXXX |  | XXXX | North Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower (XXXX,) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 66.346% | 66.346% | Primary | Refinance | 738 | 2 | XXXX | 15.58 | $14837.73 | 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 |  | 44.948% |  | Alternative | QC Complete | 09/18/2025 |
| 900000286 | XXXX | XXXX |  | XXXX | Washington | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Single family with 2 ADUs<br>A copy of an exception approval letter is available in the loan file. | LTV: 56.44% LTV is less than the guideline requirement of 85.00%.<br>FICO: 711 FICO exceeds the guideline requirement of 700.<br>DTI: 38.51% DTI is less than the maximum guideline requirement of 50.00%. | Single Family | XX/XX/XXXX | 56.436% | 56.436% | Primary | Cash Out | 711 | 18 | XXXX | 7.33 | $6189.17 | 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 | $XXXX | 38.510% |  | Alternative | QC Complete | 01/02/2026 |
| 900000287 | XXXX | XXXX |  | XXXX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | 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 | $XXXX |  |  | DSCR | QC Complete | 10/14/2025 |
| 900000288 | XXXX | XXXX |  | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 749 |  | XXXX | 10 | $44951.69 | 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 |  | 16.938% | No | Alternative | QC Complete | 10/15/2025 |
| 900000291 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Dwelling amount $XXXX is not sufficient to cover loan amount $XXXX. Provide a copy of updated RCE to cover the dwelling amount.<br>Resolved 09/XX/2025 - Received RCE document, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM report for borrower (XXXX) as it is required by the lender guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 741 |  | XXXX | 5.5 | $15977.58 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.955% | Yes | Alternative | QC Complete | 09/11/2025 |
| 900000292 | XXXX | XXXX |  | XXXX | Missouri | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 788 |  | XXXX | 10.08 | $17416.68 | 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 |  | 47.576% | No | Full Documentation | QC Complete | 09/29/2025 |
| 900000293 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 790 |  | XXXX | 0.16 | $11250.00 | 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 |  | 34.351% | Yes | Full Documentation | QC Complete | 09/17/2025 |
| 900000296 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 73.621% | 73.621% | Primary | Refinance | 787 | 1.16 | XXXX | 15.16 | $15123.44 | 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 |  | 47.873% |  | Alternative | QC Complete | 09/16/2025 |
| 900000299 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 43.164% | 43.164% | Primary | Cash Out | 736 | 15.92 | XXXX | 43.92 | $83859.00 | 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 | $XXXX | 9.723% |  | Alternative | QC Complete | 01/02/2026 |
| 900000300 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 781 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/16/2025 |
| 900000301 | XXXX | XXXX |  | XXXX | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 51.563% | 51.563% | Primary | Purchase | 776 |  | XXXX | 1 | $6704.70 | 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 |  | 39.431% | No | Full Documentation | QC Complete | 10/06/2025 |
| 900000303 | XXXX | XXXX |  | XXXX | New Jersey | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: First time homebuyer living rent free for 4 years as borrower lives rent free at subject property.<br>A copy of an exception approval letter is available in the loan file. | FICO: 797 FICO exceeds the guideline requirement of 780.<br>LTV: 66.67% LTV is less than the guideline requirement of 70.00%.<br>| Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 66.667% | 66.667% | Primary | Purchase | 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 |  |  | No | Alternative | QC Complete | 01/02/2026 |
| 900000304 | XXXX | XXXX |  | XXXX | Idaho | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 760 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 10/15/2025 |
| 900000305 | XXXX | XXXX |  | XXXX | Hawaii | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 793 |  | XXXX | 4.91 | $27410.00 | 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 |  | 42.519% | No | Full Documentation | QC Complete | 10/09/2025 |
| 900000309 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Cash Out | 747 |  | XXXX | 11.33 | $547712.06 | 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:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXX | 4.602% |  | Alternative | QC Complete | 01/02/2026 |
| 900000310 | XXXX | XXXX |  | XXXX | Massachusetts | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 67.032% | 67.032% | Primary | Refinance | 806 | 2 | XXXX | 8.05 | $13536.00 | 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 |  | 38.598% |  | Alternative | QC Complete | 09/17/2025 |
| 900000318 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 80.000% | 80.000% | 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 | DSCR | QC Complete | 10/16/2025 |
| 900000327 | XXXX | XXXX |  | XXXX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 55.333% | 55.333% | Primary | Purchase | 801 |  |  |  | $10339.97 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 22.418% | No | Alternative | QC Complete | 09/30/2025 |
| 900000334 | XXXX | XXXX |  | XXXX | California | 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 the title supplement report to cover the loan amount, The amount of title insurance $XXXX does not cover the loan amount $XXXX.<br>Resolved 10/XX/2025 - Received Supplement report, condition resolved. |  |  | Single Family | XX/XX/XXXX | 79.487% | 79.487% | Investor | Refinance | 808 |  |  |  | $21934.51 | 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 |  | 44.785% |  | Alternative | QC Complete | 09/26/2025 |
| 900000342 | XXXX | XXXX |  | XXXX | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: The lease agreement on file for XXXX expired on 05/XX/2025. Provide a valid, un expired version.<br>Resolved 10/XX/2025 - Received LOE stating the tenant completed one full year in rent and now moved to month to month lease, condition resolved. |  |  | Single Family | XX/XX/XXXX | 61.397% | 61.397% | Investor | Cash Out | 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 | $XXXX |  |  | DSCR | QC Complete | 09/29/2025 |
| 900000343 | XXXX | XXXX |  | XXXX | Florida | 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 8.753% Allowed 8.040% Overby +0.713%.<br>This loan is compliant with regulation 1026.35<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide proof of Installment account Affirm in the amount of $816.00.<br>Resolved 10/XX/2025 - Received Client LOX as " several payments to affirm were found on the bank statement. It is acceptable to add to DTI when found on the bank statement and nothing else is needed, condition resolved. |  |  | PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 720 |  | XXXX | 5.66 | $32835.68 | 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 |  | 31.807% | No | Alternative | QC Complete | 09/29/2025 |
| 900000346 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 796 |  | XXXX | 36.66 | $41468.22 | 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 |  | 22.899% | No | Alternative | QC Complete | 09/29/2025 |
| 900000347 | XXXX | XXXX |  | XXXX | Louisiana | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of CPA letter with expense ratio.<br>Resolved 09/XX/2025 - Received CPA letter, condition resolved. |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 759 |  | XXXX | 2.5 | $13844.63 | 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:Verification of Rent |  | 29.197% | Yes | Alternative | QC Complete | 09/17/2025 |
| 900000353 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 792 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | DSCR | QC Complete | 10/15/2025 |
| 900000365 | XXXX | XXXX |  | XXXX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 55.504% | 55.504% | Investor | Refinance | 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 |  |  |  | DSCR | QC Complete | 09/23/2025 |
| 900000376 | XXXX | XXXX |  | XXXX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | 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 | DSCR | QC Complete | 10/09/2025 |
| 900000385 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Provide master policy with borrower name and unit number.<br>Resolved 10/XX/2025 - Property is 2-4 family, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Missing condo questionnaire.<br>Resolved 10/XX/2025 - Received LOX as condo questionnaire is not required for 3 units property, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 738 |  | XXXX | 40 | $34287.24 | 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 |  | 36.838% | No | Alternative | QC Complete | 09/30/2025 |
| 900000388 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 61.364% | 61.364% | 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 | $XXXX |  |  | DSCR | QC Complete | 09/29/2025 |
| 900000392 | XXXX | XXXX |  | XXXX | California | 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 $XXXX of preliminary title insurance is not covering the loan amount $XXXX. Provide a copy of supplemental title insurance which covers the loan amount.<br>Resolved 09/XX/2025 - Received title short form policy, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | PUD | XX/XX/XXXX | 70.000% | 70.000% | Primary | Cash Out | 712 | 14 | XXXX | 14.83 | $43151.15 | 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 | $XXXX | 11.970% |  | Alternative | QC Complete | 09/16/2025 |
| 900000394 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 64.072% | 64.072% | Primary | Purchase | 787 |  | XXXX | 19.66 | $38125.17 | 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 |  | 26.422% | No | Alternative | QC Complete | 10/10/2025 |
| 900000414 | XXXX | XXXX |  | XXXX | Ohio | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 797 |  | XXXX | 2.83 | $12745.00 | 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 |  | 21.081% | No | Full Documentation | QC Complete | 09/16/2025 |
| 900000417 | XXXX | XXXX |  | XXXX | Indiana | 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 $XXXX, however, the Note reflects a loan amount of $XXXX<br>Resolved 09/XX/2025 - Received title short form policy, condition resolved. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | 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 | $XXXX |  |  | DSCR | QC Complete | 09/12/2025 |
| 900000425 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 754 |  | XXXX | 13.58 | $9839.96 | 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 |  | 49.634% | No | Full Documentation | QC Complete | 10/10/2025 |
| 900000427 | XXXX | XXXX |  | XXXX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 54.217% | 54.217% | Primary | Refinance | 799 | 1 | XXXX | 3.33 | $9547.21 | 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 |  | 20.149% |  | Alternative | QC Complete | 10/10/2025 |
| 900000431 | XXXX | XXXX |  | XXXX | Louisiana | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a legible copy of Govt identity proof as it is missing.<br>Resolved 06/XX/2025 - Received GOV ID, condition resolved.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide a copy of E&O insurance policy as it is missing.<br>Resolved 06/XX/2025 - Received Appraisal report with E&O Policy, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: 1003 Correction required for primary residence XXXX address reflecting investment in REO section.<br>Resolved 06/XX/2025 - Received Corrected 1003 application, condition resolved. |  |  | Single Family | XX/XX/XXXX | 74.848% | 74.848% | 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 | $XXXX |  |  | DSCR | QC Complete | 06/09/2025 |
| 900000434 | XXXX | XXXX |  | XXXX | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 786 |  | XXXX | 14.25 | $90018.78 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.580% | No | Alternative | QC Complete | 09/17/2025 |
| 900000436 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Intent to Proceed Missing - EV R<br> COMMENT: Missing Intent to Proceed.<br>Resolved 09/XX/2025: Received Intent to Proceed dated 07/XX/2025 and exception is cleared.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline. <br> Gap report present in file dated 07/XX/2025 before closing date 08/XX/2025<br>Resolved 09/XX/2025 - UDM Report is not required from client, condition resolved. | \*\*\* (WAIVED) Cash Out Amount Exceeds Guidelines - EV W<br> COMMENT: The cash-out amount for the subject property is $XXXX, which exceeds the maximum allowable cash-out limit of $500,000 for loans with an LTV greater than 60%. The current LTV is 63.29%.<br>A copy of an exception approval letter has been received.<br>\*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: 11 NSFs vs permitted 6- The borrower owns a construction company that requires projects to meet their deadlines. Outstanding accounts receivables are paid personally by the borrower if the client does not pay their invoices on time. These big companies that work with him will pay him back but they do take time so he takes it upon himself to complete the projects in a timely manner, ensuring his credibility.<br>A copy of an exception approval letter is available in the loan file. | LTV: 63.28% is lower than the maximum guideline requirement of 80.00%.<br>DTI: 24.34& is lower than the maximum guideline requirement of 50.00%.<br>Reserves: 71 months of available reserves are more than the guideline requirement of 6 months.<br>DTI: 24.34% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 63.29% LTV is less than the guideline requirement of 75.00%.<br>FICO: 690 FICO exceeds the guideline requirement of 680.<br>| PUD | XX/XX/XXXX | 63.288% | 63.288% | Primary | Cash Out | 690 | 11.08 | XXXX | 6.25 | $64829.29 | 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 | $XXXX | 24.336% |  | Alternative | QC Complete | 09/12/2025 |
| 900000442 | XXXX | XXXX |  | XXXX | Missouri | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Refinance | 748 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 10/01/2025 |
| 900000443 | XXXX | XXXX |  | XXXX | Michigan | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Credit history does not meet guidelines - EV R<br> COMMENT: Provide a rent-free letter signed by the borrower and their relative.<br>Resolved 10/XX/2025 - Received LOX as " a rent-free letter from the borrowers relative is not required as the borrower is not a first time home buyer", condition resolved. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 669 |  | XXXX | 9.91 | $20716.19 | 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 |  | 17.843% | No | Alternative | QC Complete | 09/30/2025 |
| 900000445 | XXXX | XXXX |  | XXXX | Georgia | 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 UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 688 |  | XXXX | 23.5 | $29558.81 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.854% | No | Alternative | QC Complete | 09/17/2025 |
| 900000450 | XXXX | XXXX |  | XXXX | Wisconsin | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 73.385% | 73.385% | Primary | Refinance | 755 | 1.66 | XXXX | 4.66 | $4778.94 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.926% |  | Alternative | QC Complete | 10/15/2025 |
| 900000451 | XXXX | XXXX |  | XXXX | South Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 812 |  | XXXX | 30.58 | $11984.12 | 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 |  | 11.119% | Yes | Full Documentation | QC Complete | 10/10/2025 |
| 900000454 | XXXX | XXXX |  | XXXX | Colorado | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide supporting documents for cash gift $200,000 as it is missing.<br>Resolved 10/XX/2025 - Received LOX as " the gift ended up only being $50,000 and it is updated in system " however sufficient assets are available to cover the requirements, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of mortgage statement for the "XXXX" property as it is missing.<br>Resolved 10/XX/2025 - Received credit report with payment and the data verify report with property address, condition resolved. |  |  | PUD | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 724 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/30/2025 |
| 900000455 | XXXX | XXXX |  | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 773 |  | XXXX | 4 | $54943.91 | 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 |  | 13.714% | No | Alternative | QC Complete | 10/01/2025 |
| 900000458 | XXXX | XXXX |  | XXXX | Rhode Island | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 807 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 10/08/2025 |
| 900000460 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: 20% Non-incidental Income on a condotel<br>A copy of an exception approval letter is available in the loan file. | Reserves: The 9 months of available reserves are more than the guideline requirement of 3 months.<br>FICO: 809 FICO exceeds the guideline requirement of 700.<br>LTV: 80% LTV is less than the guideline requirement of 85.00%. | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 809 |  | XXXX | 2.41 | $21468.74 | 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 |  | 37.420% | No | Full Documentation | QC Complete | 10/10/2025 |
| 900000461 | XXXX | XXXX |  | XXXX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 792 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXX |  |  | DSCR | QC Complete | 09/30/2025 |
| 900000462 | XXXX | XXXX |  | XXXX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 749 |  | XXXX | 7.58 | $116420.47 | 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 | $XXXX | 14.389% |  | Alternative | QC Complete | 10/15/2025 |
| 900000469 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 85.000% | 85.000% | Primary | Refinance | 787 | 0.92 | XXXX | 2.42 | $16774.88 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.199% |  | Alternative | QC Complete | 10/01/2025 |
| 900000472 | XXXX | XXXX |  | XXXX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 70.000% | 70.000% | 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 | DSCR | QC Complete | 09/16/2025 |
| 900000473 | XXXX | XXXX |  | XXXX | Ohio | 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 Higher-Priced Mortgage Loan Test: Charged 8.646% Allowed 7.820% Overby +0.826% This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing proof for (tax, insurance, or HOA fee) for REO property address XXXX in the amount of $650.00.<br>Resolved 10/XX/2025 - Property was included to show the borrower was not a first time homebuyer however the property is owned through her business as per tax bill in file and borrower is not personally obligated on debt. LOX provided condition resolved. |  |  | PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 752 |  | XXXX | 2.66 | $24297.90 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.654% | No | Alternative | QC Complete | 10/07/2025 |
| 900000476 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 800 |  | XXXX | 28.58 | $325956.60 | 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 |  | 6.877% | No | Alternative | QC Complete | 09/25/2025 |
| 900000477 | XXXX | XXXX |  | XXXX | Oregon | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide a copy of UDM report as it is missing<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | PUD | XX/XX/XXXX | 36.842% | 36.842% | Primary | Cash Out | 783 | 3.58 |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXX |  |  | Alternative | QC Complete | 09/16/2025 |
| 900000482 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 739 |  | XXXX | 2.92 | $7748.00 | 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 |  | 37.094% | Yes | Full Documentation | QC Complete | 10/07/2025 |
| 900000486 | XXXX | XXXX |  | XXXX | California | 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 UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 72.093% | 72.093% | Primary | Purchase | 721 |  | XXXX | 1.25 | $17754.07 | 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 |  | 40.286% | No | Full Documentation | QC Complete | 09/23/2025 |
| 900000488 | XXXX | XXXX |  | XXXX | Georgia | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Non Perm resident alien category C-09P vs reviewed on a file by file basis<br>A copy of an exception approval letter is available in the loan file. | FICO: 722 FICO exceeds the guideline requirement of 700.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>DTI: 21.17% DTI is less than the maximum guideline requirement of 50.00%.<br>| PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 722 |  | XXXX | 2.33 | $35747.94 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.160% | Yes | Alternative | QC Complete | 09/23/2025 |
| 900000490 | XXXX | XXXX |  | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 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 | $XXXX |  |  | DSCR | QC Complete | 10/13/2025 |
| 900000491 | XXXX | XXXX |  | XXXX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | 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 | DSCR | QC Complete | 09/23/2025 |
| 900000494 | XXXX | XXXX |  | XXXX | Massachusetts | 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 7.895% Allowed 7.700% Over by +0.195%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Missing Initial Closing Disclosure - EV R<br> COMMENT: Loan file is missing initial closing disclosure. Require initial closing disclosure and all applicable COC.<br>Resolved 09/XX/2022 : Received Initial Closing Disclosure dated XX/XX/XXXX and updated, hence condition cleared.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide a copy of 'Loan Score Card' for pass details of Borrower 1 (XXXX) .<br>Resolved: Loan Score card received - 9/15<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: MA 209 CMR 32.35, 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 Massachusetts Regulations.<br>MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 7.895% Allowed 6.700% Over by +1.195%<br>This loan is compliant with regulation MA 209 CMR 32.35.<br>\*\*\* (CURED) 10% Tolerance Fees test fail - EV R<br> COMMENT: TRID Violation due to 10% of Title & Insurance Services increased $29.20 on Post Closing CD dated XX/XX/XXXX. Initial LE dated 07/XX/2022 reflects totaling $3,818.00, however Post Close CD dated XX/XX/XXXX reflects $4,229.00. Need a LOE, proof of delivery, and copy of the refund check to cure the tolerance amount of $29.20. <br>Below are the fees which changed from Initial LE to PCCD<br> 1) Survey Fee : $0.00 to $150.00<br> 2) Title Document preparation Fee : $0.00 to $400.00<br> 3) Recording Fee : $443.00 to $479.00<br>Resolved 09/XX/2022 : Received COC document and updated, hence condition cleared. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 793 |  | XXXX | 25.92 | $56536.00 | 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 |  | 25.647% | No | Alternative | QC Complete | 01/02/2026 |
| 900000496 | XXXX | XXXX |  | XXXX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 806 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXX |  |  | DSCR | QC Complete | 09/29/2025 |
| 900000506 | XXXX | XXXX |  | XXXX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 65.000% | 65.000% | Investor | Purchase | 792 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/29/2025 |
| 900000511 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 750 |  | XXXX | 11.33 | $58066.40 | 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 |  | 14.625% | Yes | Alternative | QC Complete | 09/17/2025 |
| 900000512 | XXXX | XXXX |  | XXXX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 10/15/2025 |
| 900000514 | XXXX | XXXX |  | XXXX | New Hampshire | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 65.000% | 65.000% | Investor | Cash Out | 799 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXX |  |  | DSCR | QC Complete | 10/14/2025 |
| 900000516 | XXXX | XXXX |  | XXXX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 74.805% | 74.805% | Investor | Refinance | 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 |  |  |  | DSCR | QC Complete | 09/29/2025 |
| 900000517 | XXXX | XXXX |  | XXXX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 78.420% | 78.420% | Investor | Refinance | 724 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 10/16/2025 |
| 900000521 | XXXX | XXXX |  | XXXX | New Jersey | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a copy of government ID for the borrower (XXXX) as it is missing.<br>Resolved 10/XX/2025 - Received GOV ID, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of lease agreement for the subject property as it is missing.<br>Resolved 09/XX/2025 - Received lease agreement for subject property, condition resolved. |  |  | 3 Family | XX/XX/XXXX | 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:Verification of Rent |  |  | Yes | DSCR | QC Complete | 09/25/2025 |
| 900000525 | XXXX | XXXX |  | XXXX | Florida | 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.<br>Resolved 10/XX/2025 - Received tax information form, condition resolved. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 722 |  |  |  | $29969.18 | 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 |  | 28.045% | No | Alternative | QC Complete | 09/30/2025 |
| 900000526 | XXXX | XXXX |  | XXXX | Alaska | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Property Eligibility for XXXX.<br>A copy of an exception approval letter is available in the loan file. | DSCR: 1.66 DSCR exceeds the guideline requirement of 1.00.<br>FICO: 791 FICO exceeds the guideline requirement of 660.<br>Reserves: The 113 months of available reserves are more than the guideline requirement of 6 months. | Single Family | XX/XX/XXXX | 71.084% | 71.084% | Investor | 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 | DSCR | QC Complete | 10/14/2025 |
| 900000530 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 63.846% | 63.846% | Primary | Refinance | 663 | 3.33 | XXXX | 4.5 | $12057.33 | 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 |  | 42.645% |  | Alternative | QC Complete | 10/01/2025 |
| 900000532 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide VOR to verify recent 12 months payment history for borrower current residence (XXXX) with rent $1,536.00.<br>Resolved 10/XX/2025 - Received VOR proof, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: An exception using 75% of company assets for reserves instead of 100%<br>A copy of an exception approval letter is available in the loan file. | FICO: 752 FICO exceeds the guideline requirement of 700.<br>Residual Income: $5,573.97 monthly.<br>DTI: 43.95% DTI is less than the maximum guideline requirement of 50.00%. | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 752 |  | XXXX | 5.58 | $5573.97 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.949% | Yes | Alternative | QC Complete | 09/29/2025 |
| 900000534 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Requesting exception for FTHB with loan amount $XXXX vs max XXXX.<br>A copy of an exception approval letter is available in the loan file. | FICO: 785 FICO exceeds the guideline requirement of 740.<br>DTI: 6.59% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 41 months of available reserves are more than the guideline requirement of 9 months. | PUD | XX/XX/XXXX | 70.000% | 70.000% | Primary | Purchase | 785 |  | XXXX | 27.08 | $393621.39 | 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 |  | 6.591% | Yes | Alternative | QC Complete | 01/02/2026 |
| 900000537 | XXXX | XXXX |  | XXXX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 723 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXX |  |  | DSCR | QC Complete | 09/25/2025 |
| 900000538 | XXXX | XXXX |  | XXXX | Missouri | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 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 |  |  | No | DSCR | QC Complete | 09/24/2025 |
| 900000545 | XXXX | XXXX |  | XXXX | Tennessee | 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 8.157% Allowed 7.720% Overby +0.437%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 663 |  | XXXX | 5.66 | $28265.74 | 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 |  | 44.038% | No | Alternative | QC Complete | 10/09/2025 |
| 900000552 | XXXX | XXXX |  | XXXX | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | PUD | XX/XX/XXXX | 79.739% | 79.739% | Secondary | Cash Out | 775 |  | XXXX | 11 | $48271.00 | 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 | $XXXX | 30.010% |  | Alternative | QC Complete | 09/09/2025 |
| 900000561 | XXXX | XXXX |  | XXXX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 783 |  | XXXX | 39.16 | $20731.60 | 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 |  | 30.674% | No | Full Documentation | QC Complete | 01/02/2026 |
| 900000562 | XXXX | XXXX |  | XXXX | North Carolina | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of supplementary report to cover the cover the loan amount $XXXX.<br>Resolved 07/XX/2025 - Received title report with insured amount, condition resolved.<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 9.171% Allowed 8.370% Overby +0.801%.<br>This loan is compliant with regulation 1026.35. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The borrower has been living rent-free for 5 years, which exceeds the guidelines for 12-month limit for first-time homebuyers (FTHB).<br>A copy of an exception approval letter is available in the loan file. | FICO: 725 FICO exceeds the guideline requirement of 700.<br>Residual Income: $62,234.51 monthly.<br>DTI: 6.88% DTI is less than the maximum guideline requirement of 50.00%. | 4 Family | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 725 |  | XXXX | 5 | $66832.76 | 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 |  | 6.143% | Yes | Alternative | QC Complete | 06/17/2025 |
| 900000569 | XXXX | XXXX |  | XXXX | New Jersey | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Gift source ($16,000.00) is missing in the file (require donor statement or wiring details, and borrower statement where gift fund was received).<br>Resolved 09/XX/2025 - Received gift wire, condition resolved. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 753 |  | XXXX | 8.5 | $37223.69 | 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 |  | 48.782% | No | Alternative | QC Complete | 09/24/2025 |
| 900000571 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | 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 | $XXXX |  |  | DSCR | QC Complete | 09/30/2025 |
| 900000572 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Purchase | 787 |  | XXXX | 2.58 | $75464.05 | 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 |  | 12.470% | Yes | Alternative | QC Complete | 01/02/2026 |
| 900000573 | XXXX | XXXX |  | XXXX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 799 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 10/07/2025 |
| 900000577 | XXXX | XXXX |  | XXXX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 736 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 10/13/2025 |
| 900000579 | XXXX | XXXX |  | XXXX | Colorado | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: XXXX card missing in the package ,provide a copy of XXXX card.<br>Resolved: XXXX received - 9/13 |  |  | Single Family | XX/XX/XXXX | 47.097% | 47.097% | Primary | Refinance | 740 | 20.25 | XXXX | 22.58 | $31793.00 | 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 |  | 22.211% |  | Alternative | QC Complete | 09/09/2022 |
| 900000583 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Purchase | 794 |  | XXXX | 9 | $123856.75 | 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 |  | 26.153% | No | Alternative | QC Complete | 01/02/2026 |
| 900000588 | XXXX | XXXX |  | XXXX | Virginia | 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 UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 55.706% | 55.706% | Primary | Refinance | 795 | 2.83 | XXXX | 43.5 | $7329.04 | 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 |  | 21.251% |  | Alternative | QC Complete | 09/09/2025 |
| 900000590 | XXXX | XXXX |  | XXXX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | 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 | DSCR | QC Complete | 09/16/2025 |
| 900000591 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 69.202% | 69.202% | Investor | Refinance | 705 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 09/17/2025 |
| 900000592 | XXXX | XXXX |  | XXXX | South Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | 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 | $XXXX |  |  | DSCR | QC Complete | 10/08/2025 |
| 900000593 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 704 | 1.25 | XXXX | 5.5 | $64493.92 | 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 | $XXXX | 32.808% |  | Alternative | QC Complete | 09/18/2025 |
| 900000595 | XXXX | XXXX |  | XXXX | Nevada | 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>Not Resolved 09/XX/2025: Received revised Closing disclosure dated XX/XX/XXXX, instead of Initial Closing disclosure. XX/XX/XXXX revised closing disclosure already available in loan package and updated.<br>Not Resolved 10/XX/2025: Received revised Closing disclosure dated XX/XX/XXXX, instead of Initial Closing disclosure. XX/XX/XXXX revised closing disclosure already available in loan package and updated.<br>Resolved 10/XX/2025: Received LOE for Initial Closing Disclosure dated XX/XX/XXXX and exception is cleared. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception to permit FICO 716 vs minimum 740. <br>A copy of an exception approval letter is available in the loan file. | DTI: 27.90% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 66.52% LTV is less than the guideline requirement of 70.00%.<br>Residual Income: $82,039.38 monthly.<br>| PUD | XX/XX/XXXX | 66.524% | 66.524% | Primary | Refinance | 716 | 0.42 | XXXX | 3.58 | $113788.56 | 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 |  | 27.902% |  | Alternative | QC Complete | 09/12/2025 |
| 900000597 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 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 |  |  | No | DSCR | QC Complete | 09/23/2025 |
| 900000598 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 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 | DSCR | QC Complete | 10/13/2025 |
| 900000599 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Cash Out Amount Exceeds Guidelines - EV W<br> COMMENT: Maximum cash out allowed by guideline is $500,000.00. Cash to borrower as per final CD reflecting $XXXX.<br>A copy of an exception approval letter has been received.<br>\*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Loan amount $XXXX exceeding the guideline maximum loan amount $XXX.<br>A copy of an exception approval letter is available in the loan file. | DTI: 17.14% is lower than the maximum guideline requirement of 50.00%.<br>Reserves: 31 months of available reserves are more than the guideline requirement of 12 months.<br>FICO: 781 exceeds the minimum FICO requirement of 780.<br>Credit score: Borrower FICO 780 exceeds guideline minium FICO 720.<br>DTI : Borrower DTI 35% is less than maximum guideline DTI 50%.<br>Reserves: Borrower has surplus reserves of $500,000.00.<br>| Single Family | XX/XX/XXXX | 69.697% | 69.697% | Primary | Cash Out | 781 | 23 | XXXX | 2.33 | $80637.00 | 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 | $XXXX | 14.237% |  | Alternative | QC Complete | 09/24/2025 |
| 900000602 | XXXX | XXXX |  | XXXX | Georgia | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Purchase Contract - EV R<br> COMMENT: Missing Purchase contract with sale price of $XXXX<br>Resolved 09/XX/2025 - Received updated purchase contract, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: 80% LTV for $XXXX vs max 75% LTV for $XXXX per guidelines<br>A copy of an exception approval letter is available in the loan file. | FICO: 806 FICO exceeds the guideline requirement of 740. <br>DTI: 2.18% DTI is less than the maximum guideline requirement of 50.00%. | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 806 |  | XXXX | 8.41 | $1504336.59 | 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 |  | 2.182% | No | Alternative | QC Complete | 01/02/2026 |
| 900000603 | XXXX | XXXX |  | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 69.625% | 69.625% | Primary | Cash Out | 792 | 0.33 | XXXX | 6 | $19893.34 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXX | 43.165% |  | Full Documentation | QC Complete | 09/25/2025 |
| 900000604 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (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 the supplemental report.<br>Resolved 10/XX/2025 - Received updated supplemental report, condition resolved. |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 744 | 17 | XXXX | 33.25 | $10083.60 | 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 | $XXXX | 49.884% |  | Alternative | QC Complete | 10/08/2025 |
| 900000608 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 41.221% | 41.221% | Primary | Cash Out | 685 | 20.08 | XXXX | 30.5 | $19718.91 | 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 | $XXXX | 44.678% |  | Alternative | QC Complete | 09/23/2025 |
| 900000613 | XXXX | XXXX |  | XXXX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 704 |  | XXXX | 9 | $18308.60 | 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 |  | 45.631% | No | Alternative | QC Complete | 09/29/2025 |
| 900000614 | XXXX | XXXX |  | XXXX | Hawaii | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: The guidelines specify a maximum land area of 20 acres. However, the subject property in the loan file has a land area of XXXX acres, which exceeds the allowable limit and does not meet eligibility requirements.<br>Resolved 10/XX/2025 - Received lender response as " These are town houses and the total project is XXXX acres and it's XXXX units per acre, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 72.727% | 72.727% | Secondary | Purchase | 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 |  |  | No | Alternative | QC Complete | 10/08/2025 |
| 900000616 | XXXX | XXXX |  | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 70.000% | 70.000% | 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 | DSCR | QC Complete | 09/26/2025 |
| 900000619 | XXXX | XXXX |  | XXXX | Minnesota | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 784 |  | XXXX | 10.16 | $12843.83 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.913% | No | Full Documentation | QC Complete | 09/30/2025 |
| 900000624 | XXXX | XXXX |  | XXXX | Georgia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of Bank statement #XXXX XXXX of the month September 2024.<br>Resolved 09/XX/2025 - Received bank statement for September month, condition resolved. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 732 |  | XXXX | 6.67 | $46947.00 | 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 |  | 28.974% | No | Alternative | QC Complete | 09/24/2025 |
| 900000626 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 788 |  | XXXX | 10 | $71513.27 | 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 |  | 14.068% | No | Full Documentation | QC Complete | 09/29/2025 |
| 900000636 | XXXX | XXXX |  | XXXX | Michigan | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline.<br>Gap report present in file dated 08/XX/2025 before closing date XX/XX/XXXX<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 756 |  | XXXX | 7.5 | $87570.78 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 10.624% | No | Alternative | QC Complete | 09/18/2025 |
| 900000640 | XXXX | XXXX |  | XXXX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 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 |  |  | No | DSCR | QC Complete | 09/25/2025 |
| 900000641 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Occupant marked as owner on the appraisal report, transaction type is purchase investment. Provide an updated appraisal with occupant status as vacant or tenant.<br>Resolved 10/XX/2025 - Received LOX " The appraiser reiterated the property was owner occupied at the time of their inspection and advised a revision was not required", condition resolved. |  |  | PUD | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 737 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/24/2025 |
| 900000642 | XXXX | XXXX |  | XXXX | California | 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 updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 10/XX/2025 - Received updated supplemental report, condition resolved. |  |  | 2 Family | XX/XX/XXXX | 49.125% | 49.125% | Primary | Refinance | 775 | 22.33 |  |  | $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 |  | 49.980% |  | Full Documentation | QC Complete | 10/08/2025 |
| 900000644 | XXXX | XXXX |  | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 50.820% | 50.820% | Secondary | Purchase | 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 |  |  | No | Full Documentation | QC Complete | 10/01/2025 |
| 900000650 | XXXX | XXXX |  | XXXX | Washington | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Permit a non-occupant borrower for a 2 unit primary rate/term refinance<br>A copy of an exception approval letter is available in the loan file. | DTI: 16.42% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 40.80% LTV is less than the guideline requirement of 70.00%.<br>Residual Income : $36,273.32 monthly. | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 734 |  | XXXX | 6.25 | $62020.02 | 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 |  | 36.955% | No | Alternative | QC Complete | 01/02/2026 |
| 900000663 | XXXX | XXXX |  | XXXX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 795 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/29/2025 |
| 900000666 | XXXX | XXXX |  | XXXX | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide Real estate appraisers error and omissions insurance policy, as it is missing.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 775 |  | XXXX | 13 | $20323.19 | 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 |  | 37.056% | No | Alternative | QC Complete | 06/10/2025 |
| 900000667 | XXXX | XXXX |  | XXXX | North Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 707 |  | XXXX | 2.33 | $23379.38 | 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 |  | 18.298% | No | Alternative | QC Complete | 09/17/2025 |
| 900000669 | XXXX | XXXX |  | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 60.000% | 60.000% | Investor | Purchase | 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 |  |  | No | DSCR | QC Complete | 09/18/2025 |
| 900000672 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 74.948% | 74.948% | Investor | Purchase | 773 |  | XXXX | 6.66 | $16995.93 | 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 |  | 38.012% | No | Alternative | QC Complete | 10/13/2025 |
| 900000673 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Appraisal - EV R<br> COMMENT: Provide a copy of Appraisal Report.<br>Resolved 10/XX/2025 - Received Appraisal report, condition resolved. |  |  | Mid Rise Condo (5-8 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 753 |  | XXXX | 12 | $26398.99 | 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 |  | 43.467% | Yes | Alternative | QC Complete | 10/07/2025 |
| 900000683 | XXXX | XXXX |  | XXXX | Colorado | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | 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 | DSCR | QC Complete | 10/16/2025 |
| 900000686 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 742 |  | XXXX | 7.42 | $7513.94 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.207% | No | Full Documentation | QC Complete | 09/09/2025 |
| 900000687 | XXXX | XXXX |  | XXXX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 739 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 10/07/2025 |
| 900000692 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 737 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 10/15/2025 |
| 900000693 | XXXX | XXXX |  | XXXX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 74.963% | 74.963% | Investor | Refinance | 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 |  |  |  | DSCR | QC Complete | 10/15/2025 |
| 900000702 | XXXX | XXXX |  | XXXX | Louisiana | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide E&O (Error & Omission) policy as it is missing.<br>Resolved 06/XX/2025 - Received appraisal report with E&O Policy, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide updated final 1003 REO section reflecting borrower current address "XXXX " from investment to primary residence.<br>Resolved 06/XX/2025 - Received corrected 1003 application for investment to primary residence, condition resolved.<br>\*\*\* (CURED) Title issue - EV R<br> COMMENT: Provide executed and notarized Quit claim deed removing vesting from XXXX.<br>06/XX/2025: the copy of QCD resolves the condition. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | 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 |  |  |  | DSCR | QC Complete | 06/09/2025 |
| 900000703 | XXXX | XXXX |  | XXXX | Alabama | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 794 |  | XXXX | 2 | $12242.53 | 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 |  | 31.448% | No | Full Documentation | QC Complete | 10/13/2025 |
| 900000706 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of UDM report as it is missing.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception to allow 718 FICO for 720 required.<br>A copy of an exception approval letter is available in the loan file. | Residual Income: $4,671,173.81 monthly.<br>DTI: 0.71% DTI is less than the maximum guideline requirement of 50.00%. | Single Family | XX/XX/XXXX | 70.423% | 70.423% | Investor | Refinance | 718 |  | XXXX | 23.66 | $4704759.02 | 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 |  | 0.714% |  | Alternative | QC Complete | 09/18/2025 |
| 900000708 | XXXX | XXXX |  | XXXX | South Carolina | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 803 |  | XXXX | 0.58 | $11951.58 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 18.878% | No | Full Documentation | QC Complete | 09/18/2025 |
| 900000714 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 716 | 11 | XXXX | 14.67 | $16536.43 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXX | 42.923% |  | Alternative | QC Complete | 10/08/2025 |
| 900000717 | XXXX | XXXX |  | XXXX | California | 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 updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>10/XX/2025 Resolved: The copy of final title policy resolves the condition. |  |  | Single Family | XX/XX/XXXX | 53.988% | 53.988% | Investor | Purchase | 808 |  | XXXX | 6.91 | $105983.18 | 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 |  | 8.445% | No | Alternative | QC Complete | 09/29/2025 |
| 900000723 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 711 |  | XXXX | 9.42 | $120262.00 | 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 |  | 6.714% | Yes | Alternative | QC Complete | 01/02/2026 |
| 900000736 | XXXX | XXXX |  | XXXX | Maryland | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 64.943% | 64.943% | Primary | Refinance | 791 | 1 | XXXX | 20.33 | $7825.20 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.729% |  | Full Documentation | QC Complete | 10/15/2025 |
| 900000739 | XXXX | XXXX |  | XXXX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 692 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/18/2025 |
| 900000742 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 804 |  | XXXX | 14.41 | $26506.83 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.331% | No | Alternative | QC Complete | 09/24/2025 |
| 900000754 | XXXX | XXXX |  | XXXX | Massachusetts | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 59.350% | 59.350% | Primary | Purchase | 801 |  | XXXX | 1.08 | $19554.00 | 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 |  | 40.220% | No | Alternative | QC Complete | 01/02/2026 |
| 900000755 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 816 |  | XXXX | 12.66 | $4561.63 | 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 |  | 44.058% | Yes | Alternative | QC Complete | 10/09/2025 |
| 900000759 | XXXX | XXXX |  | XXXX | Georgia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 816 |  | XXXX | 3.08 | $7916.67 | 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 |  | 31.334% | Yes | Full Documentation | QC Complete | 09/18/2025 |
| 900000761 | XXXX | XXXX |  | XXXX | Oregon | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Assets - Requesting exception to permit 100% of business checking and savings balance<br>A copy of an exception approval letter is available in the loan file. | Residual Income: $6,016.64.00 monthly.<br>FICO: 753 FICO exceeds the guideline requirement of 700. | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 753 |  | XXXX | 2 | $11780.15 | 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 |  | 48.926% | Yes | Alternative | QC Complete | 10/09/2025 |
| 900000765 | XXXX | XXXX |  | XXXX | Maine | 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 UDM (Undisclosed Debt Monitoring) document for borrowers (XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 785 |  | XXXX | 5.41 | $22425.27 | 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 |  | 43.789% | No | Full Documentation | QC Complete | 09/16/2025 |
| 900000766 | XXXX | XXXX |  | XXXX | Massachusetts | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 728 | 3 | XXXX | 1 | $4958.54 | 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 | $XXXX | 21.605% |  | Full Documentation | QC Complete | 10/08/2025 |
| 900000774 | XXXX | XXXX |  | XXXX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the lease agreement for the property at XXXX<br>Resolved 10/XX/2025 - Received LOE as property having month to month lease and the lease agreement is not required, condition resolved. |  |  | 4 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 811 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 10/08/2025 |
| 900000778 | XXXX | XXXX |  | XXXX | Nevada | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a copy of Government ID for the borrower (XXXX), as it is missing.<br>Resolved 10/XX/2025 - Received GOV ID, condition resolved. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 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 |  |  | No | DSCR | QC Complete | 10/07/2025 |
| 900000779 | XXXX | XXXX |  | XXXX | Alaska | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 09/29/2025 |
| 900000782 | XXXX | XXXX |  | XXXX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 759 |  |  |  | $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 | $XXXX |  |  | DSCR | QC Complete | 10/09/2025 |
| 900000784 | XXXX | XXXX |  | XXXX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 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 |  |  | No | DSCR | QC Complete | 09/18/2025 |
| 900000786 | XXXX | XXXX |  | XXXX | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of UDM report as it is missing.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 771 |  | XXXX | 5.5 | $195752.22 | 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 |  | 32.393% | No | Alternative | QC Complete | 09/18/2025 |
| 900000795 | XXXX | XXXX |  | XXXX | Pennsylvania | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Initial Escrow Acct Disclosure missing; loan has escrows - EV R<br> COMMENT: Missing Initial Escrow Account Disclosure.<br>Resolved 10/XX/2025: Received Initial Escrow Account Disclosure dated 09/XX/2025 and exception is cleared. |  |  | Single Family | XX/XX/XXXX | 66.920% | 66.920% | Secondary | Cash Out | 660 |  | XXXX | 6.16 | $14026.92 | 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 | $XXXX | 44.240% |  | Alternative | QC Complete | 10/08/2025 |
| 900000797 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 754 |  |  |  | $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 | DSCR | QC Complete | 10/09/2025 |
| 900000798 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 68.090% | 68.090% | Primary | Cash Out | 784 | 9 | XXXX | 7.42 | $30787.24 | 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 | $XXXX | 26.781% |  | Alternative | QC Complete | 10/08/2025 |
| 900000801 | XXXX | XXXX |  | XXXX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 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 |  |  | No | DSCR | QC Complete | 09/23/2025 |
| 900000802 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Refinance | 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 |  |  |  | DSCR | QC Complete | 09/18/2025 |
| Removed from deal | XXXX | XXXX |  | XXXX | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 60.750% | 60.750% | Primary | Refinance | 746 | 1.42 | XXXX | 0.92 | $13083.33 | 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 |  | 49.922% |  | Full Documentation | QC Complete | 09/30/2025 |
| 900000806 | XXXX | XXXX |  | XXXX | Alabama | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: GLA on subject property under 500 sqft<br>A copy of an exception approval letter is available in the loan file. | Residual Income : $7,430.77.00 monthly (Calculate it Total income - Total obligation)<br>FICO 797 exceeds the minimum guideline requirement of 720<br>DTI 47.34% is less than the maximum guideline requirement of 50%. | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 797 |  | XXXX | 0.08 | $5408.33 | 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 |  | 47.337% | No | Full Documentation | QC Complete | 10/08/2025 |
| 900000807 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of UDM for borrower(XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 771 | 11 | XXXX | 10.08 | $16789.81 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXX | 45.630% |  | Alternative | QC Complete | 09/17/2025 |
| 900000815 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 732 |  | XXXX | 6.66 | $328605.79 | 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 |  | 6.300% | No | Alternative | QC Complete | 10/15/2025 |
| 900000830 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | 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 | DSCR | QC Complete | 01/02/2026 |
| 900000831 | XXXX | XXXX |  | XXXX | New Jersey | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Refinance | 721 | 7.5 | XXXX | 7.08 | $34864.62 | 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 |  | 19.012% |  | Alternative | QC Complete | 09/17/2025 |
| 900000836 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 722 | 0.58 | XXXX | 0.58 | $20585.23 | 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 | $XXXX | 49.843% |  | Full Documentation | QC Complete | 09/26/2025 |
| 900000841 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 799 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/18/2025 |
| 900000842 | XXXX | XXXX |  | XXXX | Alabama | 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 Settlement Statement for the property located at XXXX, showing the proceeds from the real estate sale amounting to $XXXX to be finalized on or before closing.<br>Resolved 10/XX/2025 - Received settlement statement with proceeds $XXXX, condition resolved. |  |  | Single Family | XX/XX/XXXX | 30.097% | 30.097% | Primary | Purchase | 795 |  | XXXX |  | $5312.80 | 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 |  | 41.461% | No | Alternative | QC Complete | 10/09/2025 |
| 900000846 | XXXX | XXXX |  | XXXX | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower (XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | PUD | XX/XX/XXXX | 49.485% | 49.485% | Primary | Cash Out | 793 | 0.25 | XXXX | 9.58 | $14963.00 | 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 | $XXXX | 12.673% |  | Alternative | QC Complete | 09/18/2025 |
| 900000848 | XXXX | XXXX |  | XXXX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 797 |  | XXXX | 4.67 | $25980.01 | 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 |  | 42.912% | Yes | Alternative | QC Complete | 01/02/2026 |
| 900000852 | XXXX | XXXX |  | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | 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 | DSCR | QC Complete | 10/09/2025 |
| 900000854 | XXXX | XXXX |  | XXXX | Oregon | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 69.892% | 69.892% | Primary | Refinance | 726 | 1.66 | XXXX | 18.66 | $28613.33 | 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 |  | 25.524% |  | Alternative | QC Complete | 10/14/2025 |
| 900000856 | XXXX | XXXX |  | XXXX | Georgia | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception requested to omit the commercial mortgage with XXXX from liabilities and waive verification of the pay history.<br>A copy of an exception approval letter is available in the loan file. | FICO: 791 FICO exceeds the guideline requirement of 640.<br>Residual Income: $1,983.62 monthly. | Single Family | XX/XX/XXXX | 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 | 10/15/2025 |
| 900000864 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Purchase | 701 |  | XXXX | 19.33 | $279065.69 | 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 |  | 6.894% | No | Alternative | QC Complete | 10/01/2025 |
| 900000867 | XXXX | XXXX |  | XXXX | Utah | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 778 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/29/2025 |
| 900000869 | XXXX | XXXX |  | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 733 |  | XXXX | 8.5 | $18649.68 | 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 |  | 23.004% | No | Alternative | QC Complete | 10/08/2025 |
| 900000871 | XXXX | XXXX |  | XXXX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 73.333% | 73.333% | Investor | Refinance | 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 |  |  |  | DSCR | QC Complete | 10/09/2025 |
| 900000873 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide updated final application reflecting the intended to use occupancy as primary residence for property address "XXXX"<br>Resolved 10/XX/2025 - Received updated 1003 application, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Refinance | 747 |  | XXXX | 11.33 | $547712.06 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 4.352% |  | Alternative | QC Complete | 09/25/2025 |
| 900000875 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 773 |  | XXXX | 5 | $69396.46 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 12.558% | No | Alternative | QC Complete | 01/02/2026 |
| 900000876 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Note is missing or unexecuted - EV R<br> COMMENT: Provide a copy of Note document.<br>Resolved 10/XX/2025 - Received Note document, condition resolved. |  |  | PUD | XX/XX/XXXX | 61.567% | 61.567% | Primary | Cash Out | 748 | 10 | XXXX | 6.67 | $3504.15 | 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 | $XXXX | 49.824% |  | Alternative | QC Complete | 09/29/2025 |
| 900000881 | XXXX | XXXX |  | XXXX | Texas | 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 7.748% Allowed 7.720% Overby +0.028%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 708 |  | XXXX | 7.33 | $13932.95 | 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 |  | 41.069% | Yes | Alternative | QC Complete | 10/14/2025 |
| 900000885 | XXXX | XXXX |  | XXXX | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 63.002% | 63.002% | Primary | Purchase | 720 |  |  |  | $55064.75 | 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 |  | 13.440% | No | Alternative | QC Complete | 10/13/2025 |
| 900000888 | XXXX | XXXX |  | XXXX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | 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 | DSCR | QC Complete | 10/14/2025 |
| 900000889 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 794 | 2.08 | XXXX | 5.58 | $35752.00 | 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 | $XXXX | 33.517% |  | Alternative | QC Complete | 09/16/2025 |
| 900000892 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 84.557% | 84.557% | Primary | Refinance | 765 | 2.16 | XXXX | 8.75 | $51744.65 | 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 |  | 14.422% |  | Alternative | QC Complete | 09/26/2025 |
| 900000896 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 71.165% | 71.165% | Primary | Cash Out | 774 | 9.25 | XXXX | 13.5 | $11444.72 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXX | 49.817% |  | Alternative | QC Complete | 01/02/2026 |
| 900000899 | XXXX | XXXX |  | XXXX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 786 |  | XXXX | 35.66 | $9149.42 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 01/02/2026 |
| 900000903 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide supporting document (wire transaction) for gift fund $XXXX as it is missing.<br>Resolved 09/XX/2025 - Received gift wire, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 790 |  | XXXX | 6.05 | $19652.38 | 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 |  | 44.013% | No | Alternative | QC Complete | 09/19/2025 |
| 900000905 | XXXX | XXXX |  | XXXX | Arizona | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower(XXXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 780 |  | XXXX | 29.66 | $14627.00 | 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 |  | 11.263% | No | Alternative | QC Complete | 09/18/2025 |
| 900000911 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: LTV/CLTV Exception to allow 80% LTV on max of 75% allowed.<br>A copy of an exception approval letter is available in the loan file. | DTI: 31.90% DTI is less than the maximum guideline requirement of 50.00%.<br>Residual Income: $41,247.22 monthly.<br>| Single Family | XX/XX/XXXX | 77.921% | 77.921% | Investor | Refinance | 705 |  | XXXX | 3.83 | $60570.00 | 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 |  | 31.902% |  | Alternative | QC Complete | 10/15/2025 |
| 900000916 | XXXX | XXXX |  | XXXX | Florida | 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 8.260% Allowed 8.040% Overby +0.220%<br>This loan is compliant with regulation 1026.35. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 749 |  | XXXX | 3.16 | $30107.58 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.283% | No | Alternative | QC Complete | 10/13/2025 |
| 900000917 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 799 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 10/14/2025 |
| 900000918 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 750 | 0.5 | XXXX | 11.75 | $79643.78 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $XXXX | 30.640% |  | Alternative | QC Complete | 10/14/2025 |
| 900000919 | XXXX | XXXX |  | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 799 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 10/08/2025 |
| 900000920 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 736 |  | XXXX | 5 | $29488.58 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 19.018% | Yes | Alternative | QC Complete | 01/02/2026 |
| 900000921 | XXXX | XXXX |  | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 777 |  | XXXX | 3.25 | $7384.78 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.836% | Yes | Full Documentation | QC Complete | 10/09/2025 |
| 900000930 | XXXX | XXXX |  | XXXX | Indiana | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the wire transfer document or other supporting documentation to verify the $30,000 gift amount.<br>Resolved 09/XX/2025 - Received Wire transfer for the gift amount, condition resolved. |  |  | 4 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 737 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<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 | 09/12/2025 |
| 900000932 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 47.826% | 47.826% | Investor | Refinance | 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 |  |  |  | DSCR | QC Complete | 09/25/2025 |
| 900000933 | XXXX | XXXX |  | XXXX | Illinois | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 806 |  | XXXX | 4.08 | $13042.41 | 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 |  | 32.167% | No | Alternative | QC Complete | 10/14/2025 |
| 900000934 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Permit a non-occupant borrower for a 2 unit primary rate/term refinance<br>A copy of an exception approval letter is available in the loan file. | DTI: 16.42% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 725 FICO exceeds the guideline requirement of 720.<br>LTV: 40.80% LTV is less than the guideline requirement of 80.00%. | 2 Family | XX/XX/XXXX | 40.805% | 40.805% | Primary | Refinance | 725 | 8 | XXXX | 12.66 | $8125.75 | 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 |  | 16.420% |  | Alternative | QC Complete | 01/02/2026 |
| 900000941 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 59.952% | 59.952% | Primary | Refinance | 782 | 1.5 | XXXX | 3.67 | $56688.51 | 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 |  | 39.508% |  | Alternative | QC Complete | 01/02/2026 |
| 900000945 | XXXX | XXXX |  | XXXX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 60.000% | 60.000% | Investor | 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 | DSCR | QC Complete | 09/29/2025 |
| 900000948 | XXXX | XXXX |  | XXXX | Indiana | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The Note and Final 1003 indicate that the borrower is an LLC. However, the Mortgage, Final Title and Appraisal show the borrower as an individual.<br>Resolved 09/XX/2025 - Received Quit claim deed as the reflecting the borrower as individual, condition resolved. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | 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 | $XXXX |  |  | DSCR | QC Complete | 09/18/2025 |
| 900000949 | XXXX | XXXX |  | XXXX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 678 |  | XXXX | 6.58 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 1.739% | No | Alternative | QC Complete | 09/25/2025 |
| 900000951 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 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 | DSCR | QC Complete | 10/14/2025 |
| 900000955 | XXXX | XXXX |  | XXXX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 758 |  | XXXX | 7.16 | $30229.00 | 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 |  | 36.089% | No | Full Documentation | QC Complete | 09/25/2025 |
| 900000956 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 686 |  | XXXX | 20.66 | $9604.64 | 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 |  | 43.925% | No | Alternative | QC Complete | 10/02/2025 |
| 900000961 | XXXX | XXXX |  | XXXX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Refinance | 725 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 09/30/2025 |
| 900000972 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | 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 | DSCR | QC Complete | 09/16/2025 |

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## Exhibit 99.2

**Exhibit 99.2 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** |
| 900000005 | XXX | XXX |  | XXX | Maryland | 07/XX/2025 | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 5NPEHMG5M3H-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | Maryland COMAR 09.03.06.02B(13) , COMAR09.03.09.02B(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>MD COMAR Higher-Priced Mortgage Loan Test: Charged 8.846% Allowed 8.420% Overby +0.426%<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 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000005 | XXX | XXX |  | XXX | Maryland | 07/XX/2025 | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 5NPEHMG5M3H-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 8.846% Allowed 8.420% Overby +0.426%<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 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000005 | XXX | XXX |  | XXX | Maryland | 07/XX/2025 | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Credit | 5NPEHMG5M3H-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower (XXX) as it is required by the guideline.<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000006 | XXX | XXX |  | XXX | Pennsylvania | 07/XX/2025 | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Title Review | HZOOAWFBOB4-H4EFAVZC | Waived | 2 | W | \* Title holder is not an individual (Lvl W) | Allowing LLC borrower for XXX guidelines.<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 41.73% DTI is less then the maximum guidelines requirement of 50.00%<br>FICO : 757 FICO Exceeds the guidelines requirement of 660<br>LTV: 75.00% LTV is less than the guideline requirement of 80.00%. |  | QC Complete | 09/XX/2025 |  |  | 09/XX/2025 |
| 900000006 | XXX | XXX |  | XXX | Pennsylvania | 07/XX/2025 | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Credit | HZOOAWFBOB4-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower XXX as it is required by the guideline.<br>Gap report present in file dated on 07/XX/2025<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000012 | XXX | XXX |  | XXX | Colorado | 06/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | A44BJ4KEYEW-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide UDM for borrower (XXX) as it is required by the guideline<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000013 | XXX | XXX |  | XXX | Utah | 08/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | JXMFPPOCJTL-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower (XXX) as it is required by the guideline.<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000019 | XXX | XXX |  | XXX | Nevada | 08/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | P03E4FELFUD-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XXX.<br>Resolved 09/XX/2025 - Received preliminary report with insured amount, condition resolved. | Resolved 09/XX/2025 - Received preliminary report with insured amount, condition resolved. | Resolved 09/XX/2025 - Received preliminary report with insured amount, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000019 | XXX | XXX |  | XXX | Nevada | 08/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | P03E4FELFUD-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Loan scorecard as it is missing.<br>Resolved 10/XX/2025 - Received XXX document with loan program and loan details, condition resolved. | Resolved 10/XX/2025 - Received loanNEX document with loan program, condition resolved. | Resolved 10/XX/2025 - Received loanNEX document with loan program, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000021 | XXX | XXX |  | XXX | Florida | 08/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | ZZACCGNQAIH-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower (XXX) as it is required by the guideline.<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000023 | XXX | XXX |  | XXX | Ohio | 08/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | MN0TM55X0VJ-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide a copy of Secondary Valuation.<br>Resolved 10/XX/2025 - Received CDA, condition resolved. | Resolved 10/XX/2025 - Received CDA, condition resolved. | Resolved 10/XX/2025 - Received CDA, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000024 | XXX | XXX |  | XXX | Alabama | 07/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | KBAZI1ZSCJB-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower (XXX) as it is required by the guideline<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000024 | XXX | XXX |  | XXX | Alabama | 07/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | KBAZI1ZSCJB-OI5250VF | Resolved | 3 | R | \* Per Appr prop in flood zone but flood certs = no (Lvl R) | Please provide an updated appraisal report reflecting the change in FEMA flood zone from 'Yes' to 'No.' The flood certificate indicates the property is located in Zone 'X.<br>Resolved 11/XX/2025: Resolved as the flood certificate indicates that the property is not located in a flood zone. However, the master condo association maintains flood insurance regardless. This discrepancy is a non-material issue, as the appraisal is less precise in this regard — the flood certificate provides a more reliable assessment of the property's flood zone status. | Resolved 11/XX/2025: Resolved as the flood certificate indicates that the property is not located in a flood zone. However, the master condo association maintains flood insurance regardless. This discrepancy is a non-material issue, as the appraisal is less precise in this regard — the flood certificate provides a more reliable assessment of the property's flood zone status. | Resolved 11/XX/2025: Resolved as the flood certificate indicates that the property is not located in a flood zone. However, the master condo association maintains flood insurance regardless. This discrepancy is a non-material issue, as the appraisal is less precise in this regard — the flood certificate provides a more reliable assessment of the property's flood zone status. |  |  | QC Complete | 09/XX/2025 | 11/XX/2025 | 11/XX/2025 | 09/XX/2025 |
| 900000028 | XXX | XXX |  | XXX | North Carolina | 08/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | M2SG1WIEM45-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide UDM for borrower (XXX) as it is required by the guideline.<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000034 | XXX | XXX |  | XXX | California | 07/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 54NDYPLG4CQ-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of Loan score card as it missing.<br>09/XX/2025 Resolved - Resolved as Loan score card is not required for delegated loans. | 09/XX/2025 Resolved - Resolved as Loan score card is not required for delegated loans. | 09/XX/2025 Resolved - Resolved as Loan score card is not required for delegated loans. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000036 | XXX | XXX |  | XXX | New Mexico | 08/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | DI2T0XJG2PG-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXX) as it is required by the guideline.<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000041 | XXX | XXX |  | XXX | Alabama | 09/XX/2025 | Cash Out | Non-QM/Compliant | 2 | 2 | Credit | Credit | SSHAOKJM5DN-U0OKEMMW | Waived | 2 | W | \* Required Documentation Missing or Incomplete (Lvl W) | Borrower's credit score of 717 is acceptable; however, 11 NSFs in the past 12 months exceed the allowable limit of 6. Additionally, no mortgage history is available, and property payment history cannot substitute—this materially impacts the credit-based risk assessment.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 36.80% LTV is less than the guideline requirement of 80.00%.<br>DTI: 10.04% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 10/XX/2025 |  |  | 10/XX/2025 |
| 900000047 | XXX | XXX |  | XXX | New Jersey | 08/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit |  | WY0PQTAP0NU-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Dwelling amount $XXX is not sufficient to cover loan amount $XXX, Provide a copy replacement cost estimator.<br>Resolved 10/XX/2025 - Received RCE document and covers the dwelling, condition resolved. | Resolved 10/XX/2025 - Received RCE document and covers the dwelling, condition resolved. | Resolved 10/XX/2025 - Received RCE document and covers the dwelling, condition resolved. |  |  | QC Complete | 01/XX/2026 | 01/XX/2026 | 01/XX/2026 | 09/XX/2025 |
| 900000050 | XXX | XXX |  | XXX | Texas | 08/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | DX2J5DMWU33-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide supporting income documents for the $6,135.03 as it is missing.<br>Resolved 10/XX/2025 - Received lender worksheet for other income and the Asset depletion income is waived due to equities account to available assets for closing, condition resolved. | Resolved 10/XX/2025 - Received lender worksheet for other income and the Asset depletion income is waived due to equities account to available assets for closing, condition resolved. | Resolved 10/XX/2025 - Received lender worksheet for other income and the Asset depletion income is waived due to equities account to available assets for closing, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000054 | XXX | XXX |  | XXX | Washington | 09/XX/2025 | Refinance | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 5M5RDGNIRDO-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | NSF event of 8 exceed the guideline requirement of maximum six NSF event in the any 12-month period.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 719 FICO exceeds the guideline requirement of 640.<br>LTV: 70.00% LTV is less than the guideline requirement of 80.00%.<br>DTI: 2.22% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 10/XX/2025 |  |  | 10/XX/2025 |
| 900000057 | XXX | XXX |  | XXX | Virginia | 08/XX/2025 | Refinance | Not Covered/Exempt | 3 | 1 | Credit |  | ILETOAAFY2X-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Dwelling amount $XXX is not sufficient to cover loan amount $XXX, provide a copy of replacement cost estimator is being covered by the dwelling.<br>Resolved 10/XX/2025 - Received RCE document, condition resolved. | Resolved 10/XX/2025 - Received RCE document, condition resolved. | Resolved 10/XX/2025 - Received RCE document, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000059 | XXX | XXX |  | XXX | California | 08/XX/2025 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | PEFQUB3G30T-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXX) as it is required by the guideline.<br>09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/XX/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000059 | XXX | XXX |  | XXX | California | 08/XX/2025 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | PEFQUB3G30T-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Preliminary title does not reflect the amount of $XXX title insured coverage amount. provide a copy of updated supplemental report.<br>Resolved 09/XX/2025 - Received title supplement report, condition resolved. | Resolved 09/XX/2025 - Received title supplement report, condition resolved. | Resolved 09/XX/2025 - Received title supplement report, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000060 | XXX | XXX |  | XXX | Massachusetts | 08/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | GDGEPMVLBNN-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide business bank statements of XX #XX for the month ending 1/XX/2025 as it is missing.<br>Resolved 09/XX/2025 - Received bank statements ending with 1/XX/2025, condition resolved. | Resolved 09/XX/2025 - Received bank statements ending with 1/XX/2025, condition resolved. | Resolved 09/XX/2025 - Received bank statements ending with 1/XX/2025, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000072 | XXX | XXX |  | XXX | Idaho | 08/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | GSSRVLH1CAK-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the Mortgage statement for the Property address XXX, XX, NC XX.<br>Resolved 09/XX/2025 - Received LOX as this is private mortgage and there is no mortgage statement - Received cashiers check, condition resolved. | Resolved 09/XX/2025 - Received LOX as this is private mortgage and there is no mortgage statement - Received cashiers check, condition resolved. | Resolved 09/XX/2025 - Received LOX as this is private mortgage and there is no mortgage statement - Received cashiers check, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000074 | XXX | XXX |  | XXX | North Carolina | 08/XX/2025 | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | DZHPCCPB54K-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 8.452% Allowed 8.250% Overby +0.202%<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 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000086 | XXX | XXX |  | XXX | Idaho | 08/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Underwriting | NDVWQLCONWP-V81IZTFE | Resolved | 3 | R | \* Transmittal (1008) is Missing (Lvl R) | Provide a copy of 1008, as it is missing.<br>Resolved 09/XX/2025 - Received 1008 document, condition resolved. | Resolved 09/XX/2025 - Received 1008 document, condition resolved. | Resolved 09/XX/2025 - Received 1008 document, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000086 | XXX | XXX |  | XXX | Idaho | 08/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | NDVWQLCONWP-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of CPA Letter, as it is missing.<br>Resolved 09/XX/2025 - Received business VOE , condition resolved. | Resolved 09/XX/2025 - Received business VOE , condition resolved. | Resolved 09/XX/2025 - Received business VOE , condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000086 | XXX | XXX |  | XXX | Idaho | 08/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | NDVWQLCONWP-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 9.667% Allowed 9.110% Overby +0.557%<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 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000087 | XXX | XXX |  | XXX | Illinois | 08/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | A3LDKAUKIRD-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide Hazard insurance with Lender Mortgagee Clause.<br>Resolved 10/XX/2025 - Received HOI with mortgage clause, condition resolved. | Resolved 10/XX/2025 - Received HOI with mortgage clause, condition resolved. | Resolved 10/XX/2025 - Received HOI with mortgage clause, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000088 | XXX | XXX |  | XXX | California | 08/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Title Review | VM04HLF3ZBN-A7YJSEV7 | Resolved | 3 | R | \* Title issue (Lvl R) | Provide an updated title with lender loss payee clause "XXX" for the proposed name insured.<br>Resolved 10/XX/2025 - Received Final title policy, condition resolved. | Resolved 10/XX/2025 - Received Final title policy, condition resolved. | Resolved 10/XX/2025 - Received Final title policy, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000089 | XXX | XXX |  | XXX | California | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | W43KA30PF5U-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide VOM for creditor XX (XXX) & XX (XXX) to verify recent 12 months payment history.<br>Resolved 10/XX/2025 - Received bank statement with 12 months payment history, condition resolved. | Resolved 10/XX/2025 - Received bank statement with 12 months payment history, condition resolved. | Resolved 10/XX/2025 - Received bank statement with 12 months payment history, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000094 | XXX | XXX |  | XXX | California | 08/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | IWH5OPIEJR2-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Preliminary title does not reflect the amount of $XXX title insured coverage amount. provide a copy of supplemental report.<br>Resolved 10/XX/2025 - Received supplement report, condition resolved. | Resolved 10/XX/2025 - Received supplement report, condition resolved. | Resolved 10/XX/2025 - Received supplement report, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000114 | XXX | XXX |  | XXX | New Jersey | 09/XX/2025 | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Credit | 2ZYEGZ10U2I-U0OKEMMW | Waived | 2 | W | \* Required Documentation Missing or Incomplete (Lvl W) | Exception for 25 DUNSFs in the past 12 months on business bank statement Occupancy explanation not accepted; loan may proceed as investment. Appraisal shows tenant occupancy.<br>A copy of an exception approval letter is available in the loan file. |  |  | Residual Income : $61,108.54 monthly<br>DTI: 22.23% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 10/XX/2025 |  |  | 10/XX/2025 |
| 900000116 | XXX | XXX |  | XXX | Missouri | 09/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | JINDCC2MMGH-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 9.733% Allowed 8.070% Overby +1.663%<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 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000995 | XXX | XXX |  | XXX | Louisiana | 07/XX/2022 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Application | 1SIGSXAIZO3-Z5OC4DZ8 | Resolved | 3 | R | \* Final 1003 does not has LO sign (Lvl R) | As per loan file Final & Initial 1003 LO sign is missing .<br>Resolved: Received 1003 with LO Signature - 08/09 | Resolved: Received 1003 with LO Signature - 08/09 | Resolved: Received 1003 with LO Signature - 08/09 |  |  | QC Complete | 08/XX/2022 | 08/XX/2022 | 08/XX/2022 | 08/XX/2022 |
| 900001000 | XXX | XXX |  | XXX | Florida | 06/XX/2022 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 0HZAWBO510C-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 7.413% Allowed 6.660% Over by +0.753%<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 | 01/XX/2026 | 01/XX/2026 | 01/XX/2026 | 01/XX/2026 |
| 900001001 | XXX | XXX |  | XXX | Idaho | 07/XX/2022 | Cash Out | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | CO3OLLQP0ZN-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | The appraisal dated 05/XX/2022 shows subject property as log home. According to guidelines, log home is ineligible property type. Missing exception approval letter with appropriate compensating factors.<br>A copy of an exception approval letter has been received. |  |  | LTV: 46.96% LTV is less than the guideline requirement of 80.00%.<br>DTI: 38.50% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 01/XX/2026 |  |  | 12/XX/2025 |
| 900001001 | XXX | XXX |  | XXX | Idaho | 07/XX/2022 | Cash Out | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | CO3OLLQP0ZN-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 7.586 % Allowed 6.870% Over by +0.716%.<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 | 01/XX/2026 | 01/XX/2026 | 01/XX/2026 | 01/XX/2026 |
| 900001002 | XXX | XXX |  | XXX | Florida | 06/XX/2022 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Title Review | I0EMBUTQ0D1-0KIHCC9S | Resolved | 3 | R | \* Title review shows no release for prior mortgage (Lvl R) | Missing Satisfaction of Mortgage recorded on February XX, 2018 for XXX, Page 981 reflecting on the Title report.<br>Resolved: Final Title Policy Received on 8/XX/2022 - 8/17 | Resolved: Final Title Policy Received on 8/XX/2022 - 8/17 | Resolved: Final Title Policy Received on 8/XX/2022 - 8/17 |  |  | QC Complete | 08/XX/2022 | 08/XX/2022 | 08/XX/2022 | 08/XX/2022 |
| 900001002 | XXX | XXX |  | XXX | Florida | 06/XX/2022 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | I0EMBUTQ0D1-I97OJO44 | Resolved | 3 | R | \* The Credit LOX is missing (Lvl R) | Following inquiry reflects on credit report: XXX(04/XX/22)<br>Resolved: Credit LOX received on 8/XX/2022 - 8/18 | Resolved: Credit LOX received on 8/XX/2022 - 8/18 | Resolved: Credit LOX received on 8/XX/2022 - 8/18 |  |  | QC Complete | 08/XX/2022 | 08/XX/2022 | 08/XX/2022 | 08/XX/2022 |
| 900001009 | XXX | XXX |  | XXX | Florida | 07/XX/2022 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Application | 44AS2WMTBBZ-NS6I6XC6 | Resolved | 3 | R | \* Final Application not signed and hand-dated by Loan Originator (Lvl R) | Final 1003 and initial 1003 LO Signature missing in the application.<br>Resolved: Received 1003 with LO Signature - 08/09 | Resolved: Received 1003 with LO Signature - 08/09 | Resolved: Received 1003 with LO Signature - 08/09 |  |  | QC Complete | 08/XX/2022 | 08/XX/2022 | 08/XX/2022 | 08/XX/2022 |
| Removed from deal | XXX | XXX |  | XXX | Michigan | 08/XX/2022 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | K5PD5SQ5JZA-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 7.359% Allowed 7.120% Over by +0.239%<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 | 01/XX/2026 | 01/XX/2026 | 01/XX/2026 | 01/XX/2026 |
| Removed from deal | XXX | XXX |  | XXX | Michigan | 08/XX/2022 | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Application | K5PD5SQ5JZA-Z5OC4DZ8 | Resolved | 3 | R | \* Final 1003 does not has LO sign (Lvl R) | As per loan package Final & initial 1003 Lo sign missing.<br>Resolved: Initial & Final 1003 received - 9/12 | Resolved: Initial & Final 1003 received - 9/12 | Resolved: Initial & Final 1003 received - 9/12 |  |  | QC Complete | 01/XX/2026 | 01/XX/2026 | 01/XX/2026 | 09/XX/2022 |
| 900001020 | XXX | XXX |  | XXX | Florida | 08/XX/2022 | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | H1G2YCGHG42-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | As per lending guideline (Smart Self (07.07.2022 v22.3) R-JV-DTC.pdf) min FICO score is 720 and max LTV is 70%. As per loan file its FICO score is 704 and LTV is 70%.<br>Not Resolved: Needed a new exception approval with name & signature - 9/8<br>A copy of an exception approval letter has been received.- 9/13 |  |  | Length of Employment: 5 years with the same business exceeds the minimum requirement of 2 years.<br>Reserves: The 11 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 09/XX/2022 |  |  | 09/XX/2022 |
| 900001021 | XXX | XXX |  | XXX | Florida | 08/XX/2022 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | KC4R3KMQKZW-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 8.785% Allowed 7.110% Over by +1.675%<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/XX/2025 | 05/XX/2025 | 05/XX/2025 | 05/XX/2025 |
| 900001021 | XXX | XXX |  | XXX | Florida | 08/XX/2022 | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Application | KC4R3KMQKZW-Z5OC4DZ8 | Resolved | 3 | R | \* Final 1003 does not has LO sign (Lvl R) | LO Sign missing in initial 1003.<br>Resolved: Signed copy of 1003 received on 9/XX/2022 | Resolved: Signed copy of 1003 received on 9/XX/2022 | Resolved: Signed copy of 1003 received on 9/XX/2022 |  |  | QC Complete | 05/XX/2025 | 05/XX/2025 | 05/XX/2025 | 09/XX/2022 |
| 900001026 | XXX | XXX |  | XXX | California | 07/XX/2022 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Doc Issue | KD44PDF1AKV-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | As Per Preliminary Title Policy Amount of Title insurance is $XX which is less than mortgage amount of $XX. Amount of insurance does not meet loan amount, Required final title policy.<br>Resolved: 8/XX/2022 - Final Title Policy received. | Resolved: 8/XX/2022 - Final Title Policy received. | Resolved: 8/XX/2022 - Final Title Policy received. |  |  | QC Complete | 08/XX/2022 | 08/XX/2022 | 08/XX/2022 | 08/XX/2022 |
| 900001026 | XXX | XXX |  | XXX | California | 07/XX/2022 | Purchase | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | KD44PDF1AKV-0O1J05XI | Cured | 3 | C | \* ComplianceEase TRID Tolerance Test Failed (Lvl C) | TRID Violation due to 10% of Title State required contingence fee, Title electronic recording fee, Title Sub-escrow fee, Title Courier fee, Title Endorsement fee, Title Wire transfer fee and Recording fee increase on Final CD dated 07/XX/2022. Initial LE dated 06/XX/2022 reflects 10% fees totaling $1674.00, however, Final CD dated 07/XX/2022 reflects $2251.00. This is a fee increase of $410‬.10 which exceeds the 10% tolerance. Please provide either a valid COC or PCCD, LOE, proof of delivery, copy of refund check to cure the tolerance amount of $XX.<br>Cured 8/XX/2022 : Received PCCD document and updated, hence condition cleared. | Cured 8/XX/2022 : Received PCCD document and updated, hence condition cleared. | Cured 8/XX/2022 : Received PCCD document and updated, hence condition cleared. |  |  | QC Complete | 08/XX/2022 | 09/XX/2022 | 09/XX/2022 | 08/XX/2022 |
| 900001027 | XXX | XXX |  | XXX | California | 07/XX/2022 | Refinance | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 1WBJ5H00MZV-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | (CA AB 260, California Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged 7.030% Allowed 6.200% Over by +0.830%<br>This loan is compliant with regulation CA AB 260, California Financial Code Division 1.94995(a) | This loan is compliant with regulation CA AB 260, California Financial Code Division 1.94995(a) | This loan is compliant with regulation CA AB 260, California Financial Code Division 1.94995(a) |  |  | QC Complete | 05/XX/2025 | 05/XX/2025 | 05/XX/2025 | 05/XX/2025 |
| 900001027 | XXX | XXX |  | XXX | California | 07/XX/2022 | Refinance | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 1WBJ5H00MZV-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 7.030% Allowed 6.200% Over by +0.830%<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/XX/2025 | 05/XX/2025 | 05/XX/2025 | 05/XX/2025 |
| 900001027 | XXX | XXX |  | XXX | California | 07/XX/2022 | Refinance | Non-QM/Compliant | 4 | 1 | Credit | Application | 1WBJ5H00MZV-Z5OC4DZ8 | Resolved | 3 | R | \* Final 1003 does not has LO sign (Lvl R) | In final 1003 LO signature missing in the loan package.<br>Resolved - 1003 Received with LO signature - 08/09 | Resolved - 1003 Received with LO signature - 08/09 | Resolved - 1003 Received with LO signature - 08/09 |  |  | QC Complete | 05/XX/2025 | 05/XX/2025 | 05/XX/2025 | 08/XX/2022 |
| 900001027 | XXX | XXX |  | XXX | California | 07/XX/2022 | Refinance | Non-QM/Compliant | 4 | 1 | Credit | Credit | 1WBJ5H00MZV-XRY5OUKZ | Resolved | 3 | R | \* Misrepresentation of Housing History (Lvl R) | As per lending guide minimum 2 years housing history is required. However in final 1003 years in current home is mentioned as "0" years for the current property "XX" . Needed Corrected 1003 with housing history <br>Note: Transaction is refinance of primary residence.<br>Not Resolved : Still needed 1003 with Housing history. As per credit report refinance month reviewer is 35 months however on 1003 no housing history mentioned.<br>Not Resolved : Still needed 1003 with Housing history. As per credit report refinance month reviewer is 35 months however on 1003 no housing history mentioned. 8/XX/2022<br>Resolved: LOX received on 08/XX/2022 stating that borrower is moved to current address in 60 days - 08/19 | Resolved: LOX received on 08/XX/2022 stating that borrower is moved to current address in 60 days - 08/19 | Resolved: LOX received on 08/XX/2022 stating that borrower is moved to current address in 60 days - 08/19 |  |  | QC Complete | 05/XX/2025 | 05/XX/2025 | 05/XX/2025 | 08/XX/2022 |
| 900000139 | XXX | XXX |  | XXX | Maryland | 09/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | JLWQPRQH24W-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide UDM for borrower (XXX) as it is required by the guideline.<br>09/XX/2025: Resolved as per the updated guidelines not require UDM. | 09/XX/2025: Resolved as per the updated guidelines not require UDM. | 09/XX/2025: Resolved as per the updated guidelines not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000143 | XXX | XXX |  | XXX | Michigan | 08/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | 0BZNEUOSJLE-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower (XXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000151 | XXX | XXX |  | XXX | California | 09/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Title Review | WNT0VX4TPXK-A7YJSEV7 | Resolved | 3 | R | \* Title issue (Lvl R) | The subject transaction closed in the name of a trust; however, the file does not contain an executed and notarized copy of the underwriter and title-approved Trust Certification.<br>10/XX/2025 Resolved: The copy of Trust cert resolves the condition. | 10/XX/2025 Resolved: The copy of Trust cert resolves the condition. | 10/XX/2025 Resolved: The copy of Trust cert resolves the condition. |  |  | QC Complete | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000151 | XXX | XXX |  | XXX | California | 09/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | WNT0VX4TPXK-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 $XXX.<br>Resolved 10/XX/2025 - Received Final title policy, condition resolved. | Resolved 10/XX/2025 - Received Final title policy, condition resolved. | Resolved 10/XX/2025 - Received Final title policy, condition resolved. |  |  | QC Complete | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000159 | XXX | XXX |  | XXX | Maryland | 09/XX/2025 | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | PK2J2MY5IKT-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Credit: Housing payment history<br> Requesting exception to permit $XX loan amount for 75% LTV<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 772 FICO exceeds the guideline requirement of 720.<br>DSCR: 1.59 DSCR exceeds the guideline requirement of 1.00. |  | QC Complete | 10/XX/2025 |  |  | 10/XX/2025 |
| 900000167 | XXX | XXX |  | XXX | Tennessee | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | F0LKB0Q2HGF-UTM9VHCU | Resolved | 3 | R | \* Final Application Incomplete (Lvl R) | Provided updated final application with change in intended occupancy for property address "XXX" from primary residence to investment.<br>Resolved 09/XX/2025 - Received corrected 1003, condition resolved. | Resolved 09/XX/2025 - Received corrected 1003, condition resolved. | Resolved 09/XX/2025 - Received corrected 1003, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000167 | XXX | XXX |  | XXX | Tennessee | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | F0LKB0Q2HGF-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing lease agreement for property address XXX, XX, TN XXX (XX).<br>Resolved 09/XX/2025 - Received Lease agreement for unit 2, condition resolved. | Resolved 09/XX/2025 - Received Lease agreement for unit 2, condition resolved. | Resolved 09/XX/2025 - Received Lease agreement for unit 2, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000171 | XXX | XXX |  | XXX | Montana | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | ASBZFUIL2UA-1UJL4VOR | Resolved | 3 | R | \* Missing Initial LE (Lvl R) | Missing Initial Loan Estimate.<br>Resolved 10/XX/2025: Received Initial Loan Estimate dated 09/XX/2025 and exception is cleared. | Resolved 10/XX/2025: Received Initial Loan Estimate dated 09/XX/2025 and exception is cleared. | Resolved 10/XX/2025: Received Initial Loan Estimate dated 09/XX/2025 and exception is cleared. |  |  | QC Complete | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000176 | XXX | XXX |  | XXX | Arkansas | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | KGCLI2HGH4W-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the evidence wire receipt for the gift amount of $100,000.00, as it is missing.<br>Resolved 10/XX/2025 - Received wire receipt for $100,000.00, condition resolved. | Resolved 10/XX/2025 - Received wire receipt for $100,000.00, condition resolved. | Resolved 10/XX/2025 - Received wire receipt for $100,000.00, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000177 | XXX | XXX |  | XXX | California | 09/XX/2025 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | EMMAM4ZFGBK-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception to waive 2nd appraisal due to flipping Seller obtained property 4/2025 and contract signed 5/2025<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 20.51% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 80.00% LTV is less than the guideline requirement of 90.00%.<br>FICO: 728 FICO exceeds the guideline requirement of 720. |  | QC Complete | 10/XX/2025 |  |  | 10/XX/2025 |
| 900000190 | XXX | XXX |  | XXX | New York | 08/XX/2025 | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Credit | 5BH5XDMF24E-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower XXX as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000190 | XXX | XXX |  | XXX | New York | 08/XX/2025 | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | 5BH5XDMF24E-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Waive 2nd full appraisal for loan amount >$XX.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 793 FICO exceeds the guideline requirement of 700.<br>Residual Income: $32,560.94 monthly.<br>DTI: 33.63% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 09/XX/2025 |  |  | 09/XX/2025 |
| 900000231 | XXX | XXX |  | XXX | California | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 4W4X0MXTWXV-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX.<br>Resolved 10/XX/2025 - Received supplement report, condition resolved. | Resolved 10/XX/2025 - Received supplement report, condition resolved. | Resolved 10/XX/2025 - Received supplement report, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000240 | XXX | XXX |  | XXX | Texas | 09/XX/2025 | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | U4LH5RDYR5Q-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 8.659% Allowed 8.130% Overby +0.529%<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 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000255 | XXX | XXX |  | XXX | Tennessee | 08/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | JXAVOVTMWZ2-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide UDM for borrower(XX) as it is required by the guideline<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000262 | XXX | XXX |  | XXX | Texas | 08/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | JHQ00YMKI5J-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower(XXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000267 | XXX | XXX |  | XXX | New Jersey | 09/XX/2025 | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | BQ3SSDQQ4BR-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Borrower is non-permanent resident. Only an EAD provided and shows category C-09<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 734 FICO exceeds the guideline requirement of 720.<br>Reserves: The 55 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 09/XX/2025 |  |  | 09/XX/2025 |
| 900000267 | XXX | XXX |  | XXX | New Jersey | 09/XX/2025 | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | BQ3SSDQQ4BR-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 8.609% Allowed 8.130% Overby +0.479%<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 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000278 | XXX | XXX |  | XXX | Washington | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | UXQUPW2BVTU-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower(XXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000278 | XXX | XXX |  | XXX | Washington | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | UXQUPW2BVTU-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the proof document for the subordinate lien (second mortgage principal and interest) amounting to $XX.<br>Resolved 09/XX/2025 - Received LOX as $3000 is removed from the DTI calculation, condition resolved. | Resolved 09/XX/2025 - Received LOX as $3000 is removed from the DTI calculation, condition resolved. | Resolved 09/XX/2025 - Received LOX as $3000 is removed from the DTI calculation, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000280 | XXX | XXX |  | XXX | North Carolina | 08/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | A212ERMQEND-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower (XX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000286 | XXX | XXX |  | XXX | Washington | 09/XX/2025 | Cash Out | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 4JEATKLRX4C-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Single family with 2 ADUs<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 56.44% LTV is less than the guideline requirement of 85.00%.<br>FICO: 711 FICO exceeds the guideline requirement of 700.<br>DTI: 38.51% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 01/XX/2026 |  |  | 09/XX/2025 |
| 900000291 | XXX | XXX |  | XXX | California | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | 3U1ZSN2HJ4W-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Dwelling amount $XX is not sufficient to cover loan amount $XX. Provide a copy of updated RCE to cover the dwelling amount.<br>Resolved 09/XX/2025 - Received RCE document, condition resolved. | Resolved 09/XX/2025 - Received RCE document, condition resolved. | Resolved 09/XX/2025 - Received RCE document, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000291 | XXX | XXX |  | XXX | California | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 3U1ZSN2HJ4W-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM report for borrower (XXX) as it is required by the lender guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000293 | XXX | XXX |  | XXX | California | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | EFNH0T4RIN3-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower(XXX) as it is required by the guideline<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000303 | XXX | XXX |  | XXX | New Jersey | 09/XX/2025 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | PBRIGVV3IZI-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | First time homebuyer living rent free for 4 years as borrower lives rent free at subject property.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 797 FICO exceeds the guideline requirement of 780.<br>LTV: 66.67% LTV is less than the guideline requirement of 70.00%.<br>|  | QC Complete | 01/XX/2026 |  |  | 10/XX/2025 |
| 900000310 | XXX | XXX |  | XXX | Massachusetts | 08/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | WUTJ1GBLB3M-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower (XXX) as it is required by the guideline<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000334 | XXX | XXX |  | XXX | California | 09/XX/2025 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | VBZSMPBKTXH-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 $XXX.<br>Resolved 10/XX/2025 - Received Supplement report, condition resolved. | Resolved 10/XX/2025 - Received Supplement report, condition resolved. | Resolved 10/XX/2025 - Received Supplement report, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000342 | XXX | XXX |  | XXX | Pennsylvania | 09/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | TVO1G1QW3KP-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | The lease agreement on file for XXXX expired on 05/XX/2025. Provide a valid, un expired version.<br>Resolved 10/XX/2025 - Received LOE stating the tenant completed one full year in rent and now moved to month to month lease, condition resolved. | Resolved 10/XX/2025 - Received LOE stating the tenant completed one full year in rent and now moved to month to month lease, condition resolved. | Resolved 10/XX/2025 - Received LOE stating the tenant completed one full year in rent and now moved to month to month lease, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000343 | XXX | XXX |  | XXX | Florida | 09/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 03Z33A0A4OO-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 8.753% Allowed 8.040% Overby +0.713%.<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 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000343 | XXX | XXX |  | XXX | Florida | 09/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | 03Z33A0A4OO-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide proof of Installment account XX in the amount of $816.00.<br>Resolved 10/XX/2025 - Received Client LOX as " several payments to affirm were found on the bank statement. It is acceptable to add to DTI when found on the bank statement and nothing else is needed, condition resolved. | Resolved 10/XX/2025 - Received Client LOX as " several payments to affirm were found on the bank statement. It is acceptable to add to DTI when found on the bank statement and nothing else is needed, condition resolved. | Resolved 10/XX/2025 - Received Client LOX as " several payments to affirm were found on the bank statement. It is acceptable to add to DTI when found on the bank statement and nothing else is needed, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000347 | XXX | XXX |  | XXX | Louisiana | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | IQ224BN04Q4-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of CPA letter with expense ratio.<br>Resolved 09/XX/2025 - Received CPA letter, condition resolved. | Resolved 09/XX/2025 - Received CPA letter, condition resolved. | Resolved 09/XX/2025 - Received CPA letter, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000385 | XXX | XXX |  | XXX | New York | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | 3G42HSNW414-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Provide master policy with borrower name and unit number.<br>Resolved 10/XX/2025 - Property is 2-4 family, condition resolved. | Resolved 10/XX/2025 - Property is 2-4 family, condition resolved. | Resolved 10/XX/2025 - Property is 2-4 family, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000385 | XXX | XXX |  | XXX | New York | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 3G42HSNW414-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing condo questionnaire.<br>Resolved 10/XX/2025 - Received LOX as condo questionnaire is not required for 3 units property, condition resolved. | Resolved 10/XX/2025 - Received LOX as condo questionnaire is not required for 3 units property, condition resolved. | Resolved 10/XX/2025 - Received LOX as condo questionnaire is not required for 3 units property, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000392 | XXX | XXX |  | XXX | California | 08/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | SUDWJANWAAD-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000392 | XXX | XXX |  | XXX | California | 08/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | SUDWJANWAAD-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount $XX of preliminary title insurance is not covering the loan amount $XX. Provide a copy of supplemental title insurance which covers the loan amount.<br>Resolved 09/XX/2025 - Received title short form policy, condition resolved. | Resolved 09/XX/2025 - Received title short form policy, condition resolved. | Resolved 09/XX/2025 - Received title short form policy, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000414 | XXX | XXX |  | XXX | Ohio | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | MH5GVQQIWSQ-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower(XXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000417 | XXX | XXX |  | XXX | Indiana | 08/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XM5A0SYQMAU-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 $XXX.<br>Resolved 09/XX/2025 - Received title short form policy, condition resolved. | Resolved 09/XX/2025 - Received title short form policy, condition resolved. | Resolved 09/XX/2025 - Received title short form policy, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000431 | XXX | XXX |  | XXX | Louisiana | 05/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | RQTOGID1VPE-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | 1003 Correction required for primary residence XXX address reflecting investment in REO section.<br>Resolved 06/XX/2025 - Received Corrected 1003 application, condition resolved. | Resolved 06/XX/2025 - Received Corrected 1003 application, condition resolved. | Resolved 06/XX/2025 - Received Corrected 1003 application, condition resolved. |  |  | QC Complete | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 |
| 900000431 | XXX | XXX |  | XXX | Louisiana | 05/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | RQTOGID1VPE-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide a copy of E&O insurance policy as it is missing.<br>Resolved 06/XX/2025 - Received Appraisal report with E&O Policy, condition resolved. | Resolved 06/XX/2025 - Received Appraisal report with E&O Policy, condition resolved. | Resolved 06/XX/2025 - Received Appraisal report with E&O Policy, condition resolved. |  |  | QC Complete | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 |
| 900000431 | XXX | XXX |  | XXX | Louisiana | 05/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | RQTOGID1VPE-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a legible copy of Govt identity proof as it is missing.<br>Resolved 06/XX/2025 - Received GOV ID, condition resolved. | Resolved 06/XX/2025 - Received GOV ID, condition resolved. | Resolved 06/XX/2025 - Received GOV ID, condition resolved. |  |  | QC Complete | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 |
| 900000436 | XXX | XXX |  | XXX | Texas | 08/XX/2025 | Cash Out | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | ZCZV0INUE23-TS7KKCIE | Waived | 4 | W | \* Cash Out Amount Exceeds Guidelines (Lvl W) | The cash-out amount for the subject property is $XXX, which exceeds the maximum allowable cash-out limit of $XXX for loans with an LTV greater than 60%. The current LTV is 63.29%.<br>A copy of an exception approval letter has been received. |  |  | LTV: 63.28% is lower than the maximum guideline requirement of 80.00%.<br>DTI: 24.34& is lower than the maximum guideline requirement of 50.00%.<br>Reserves: 71 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 09/XX/2025 |  |  | 09/XX/2025 |
| 900000436 | XXX | XXX |  | XXX | Texas | 08/XX/2025 | Cash Out | Non-QM/Compliant | 4 | 2 | Credit | Credit | ZCZV0INUE23-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide UDM for borrower(XX) as it is required by the guideline. <br> Gap report present in file dated 07/XX/2025 before closing date 08/XX/2025<br>Resolved 09/XX/2025 - UDM Report is not required from client, condition resolved. | Resolved 09/XX/2025 - UDM Report is not required from client, condition resolved. | Resolved 09/XX/2025 - UDM Report is not required from client, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000436 | XXX | XXX |  | XXX | Texas | 08/XX/2025 | Cash Out | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | ZCZV0INUE23-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | 11 NSFs vs permitted 6- The borrower owns a construction company that requires projects to meet their deadlines. Outstanding accounts receivables are paid personally by the borrower if the client does not pay their invoices on time. These big companies that work with him will pay him back but they do take time so he takes it upon himself to complete the projects in a timely manner, ensuring his credibility.<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 24.34% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 63.29% LTV is less than the guideline requirement of 75.00%.<br>FICO: 690 FICO exceeds the guideline requirement of 680.<br>|  | QC Complete | 09/XX/2025 |  |  | 09/XX/2025 |
| 900000436 | XXX | XXX |  | XXX | Texas | 08/XX/2025 | Cash Out | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | ZCZV0INUE23-L2NRUFUV | Resolved | 3 | R | \* Intent to Proceed Missing (Lvl R) | Missing Intent to Proceed.<br>Resolved 09/XX/2025: Received Intent to Proceed dated 07/XX/2025 and exception is cleared. | Resolved 09/XX/2025: Received Intent to Proceed dated 07/XX/2025 and exception is cleared. | Resolved 09/XX/2025: Received Intent to Proceed dated 07/XX/2025 and exception is cleared. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000443 | XXX | XXX |  | XXX | Michigan | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Guidelines | FYLLBXBYJ34-T67CK90Y | Resolved | 3 | R | \* Credit history does not meet guidelines (Lvl R) | Provide a rent-free letter signed by the borrower and their relative.<br>Resolved 10/XX/2025 - Received LOX as " a rent-free letter from the borrowers relative is not required as the borrower is not a first time home buyer", condition resolved. | Resolved 10/XX/2025 - Received LOX as " a rent-free letter from the borrowers relative is not required as the borrower is not a first time home buyer", condition resolved. | Resolved 10/XX/2025 - Received LOX as " a rent-free letter from the borrowers relative is not required as the borrower is not a first time home buyer", condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000445 | XXX | XXX |  | XXX | Georgia | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 0NS3RURQURG-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000454 | XXX | XXX |  | XXX | Colorado | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 11ELB05BY2S-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of mortgage statement for the "XX" property as it is missing.<br>Resolved 10/XX/2025 - Received credit report with payment and the data verify report with property address, condition resolved. | Resolved 10/XX/2025 - Received credit report with payment and the data verify report with property address, condition resolved. | Resolved 10/XX/2025 - Received credit report with payment and the data verify report with property address, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000454 | XXX | XXX |  | XXX | Colorado | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 11ELB05BY2S-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide supporting documents for cash gift $200,000 as it is missing.<br>Resolved 10/XX/2025 - Received LOX as " the gift ended up only being $50,000 and it is updated in system " however sufficient assets are available to cover the requirements, condition resolved. | Resolved 10/XX/2025 - Received LOX as " the gift ended up only being $50,000 and it is updated in system " however sufficient assets are available to cover the requirements, condition resolved. | Resolved 10/XX/2025 - Received LOX as " the gift ended up only being $50,000 and it is updated in system " however sufficient assets are available to cover the requirements, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000460 | XXX | XXX |  | XXX | Florida | 09/XX/2025 | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | DN4OQ1SXLW1-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | 20% Non-incidental Income on a condotel<br>A copy of an exception approval letter is available in the loan file. |  |  | Reserves: The 9 months of available reserves are more than the guideline requirement of 3 months.<br>FICO: 809 FICO exceeds the guideline requirement of 700.<br>LTV: 80% LTV is less than the guideline requirement of 85.00%. |  | QC Complete | 10/XX/2025 |  |  | 10/XX/2025 |
| 900000473 | XXX | XXX |  | XXX | Ohio | 09/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | NL4UFZCPHML-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing proof for (tax, insurance, or HOA fee) for REO property address XX in the amount of $650.00.<br>Resolved 10/XX/2025 - Property was included to show the borrower was not a first time homebuyer however the property is owned through her business as per tax bill in file and borrower is not personally obligated on debt. LOX provided condition resolved. | Resolved 10/XX/2025 - Property was included to show the borrower was not a first time homebuyer however the property is owned through her business as per tax bill in file and borrower is not personally obligated on debt. LOX provided condition resolved. | Resolved 10/XX/2025 - Property was included to show the borrower was not a first time homebuyer however the property is owned through her business as per tax bill in file and borrower is not personally obligated on debt. LOX provided condition resolved. |  |  | QC Complete | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000473 | XXX | XXX |  | XXX | Ohio | 09/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | NL4UFZCPHML-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 Higher-Priced Mortgage Loan Test: Charged 8.646% Allowed 7.820% Overby +0.826% 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 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000477 | XXX | XXX |  | XXX | Oregon | 08/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | Q3LZKFI3XHN-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide a copy of UDM report as it is missing<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000486 | XXX | XXX |  | XXX | California | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | I3MOQFOLHVM-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000488 | XXX | XXX |  | XXX | Georgia | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | MVZA14NSKUD-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower (XXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000488 | XXX | XXX |  | XXX | Georgia | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | MVZA14NSKUD-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Non Perm resident alien category C-09P vs reviewed on a file by file basis<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 722 FICO exceeds the guideline requirement of 700.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>DTI: 21.17% DTI is less than the maximum guideline requirement of 50.00%.<br>|  | QC Complete | 09/XX/2025 |  |  | 09/XX/2025 |
| 900000494 | XXX | XXX |  | XXX | Massachusetts | 09/XX/2022 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | JRPIDNEJ12S-L5G0OVLJ | Resolved | 3 | R | \* Missing Initial Closing Disclosure (Lvl R) | Loan file is missing initial closing disclosure. Require initial closing disclosure and all applicable COC.<br>Resolved 09/XX/2022 : Received Initial Closing Disclosure dated 08/XX/2022 and updated, hence condition cleared. | Resolved 09/XX/2022 : Received Initial Closing Disclosure dated 08/XX/2022 and updated, hence condition cleared. | Resolved 09/XX/2022 : Received Initial Closing Disclosure dated 08/XX/2022 and updated, hence condition cleared. |  |  | QC Complete | 01/XX/2026 | 01/XX/2026 | 01/XX/2026 | 09/XX/2022 |
| 900000494 | XXX | XXX |  | XXX | Massachusetts | 09/XX/2022 | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Other Disclosures | JRPIDNEJ12S-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide a copy of 'Loan Score Card' for pass details of Borrower 1 (XX) .<br>Resolved: Loan Score card received - 9/15 | Resolved: Loan Score card received - 9/15 | Resolved: Loan Score card received - 9/15 |  |  | QC Complete | 01/XX/2026 | 01/XX/2026 | 01/XX/2026 | 09/XX/2022 |
| 900000494 | XXX | XXX |  | XXX | Massachusetts | 09/XX/2022 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | JRPIDNEJ12S-GE23D4HC | Resolved | 3 | R | \* 10% Tolerance Fees test fail (Lvl R) | TRID Violation due to 10% of Title & Insurance Services increased $29.20 on Post Closing CD dated 09/XX/2022. Initial LE dated 07/XX/2022 reflects totaling $3,818.00, however Post Close CD dated 09/XX/2022 reflects $4,229.00. Need a LOE, proof of delivery, and copy of the refund check to cure the tolerance amount of $29.20. <br>Below are the fees which changed from Initial LE to PCCD<br> 1) Survey Fee : $0.00 to $150.00<br> 2) Title Document preparation Fee : $0.00 to $400.00<br> 3) Recording Fee : $443.00 to $479.00<br>Resolved 09/XX/2022 : Received COC document and updated, hence condition cleared. | Resolved 09/XX/2022 : Received COC document and updated, hence condition cleared. | Resolved 09/XX/2022 : Received COC document and updated, hence condition cleared. |  |  | QC Complete | 01/XX/2026 | 01/XX/2026 | 01/XX/2026 | 09/XX/2022 |
| 900000494 | XXX | XXX |  | XXX | Massachusetts | 09/XX/2022 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | JRPIDNEJ12S-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | MA 209 CMR 32.35, 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 Massachusetts Regulations.<br>MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 7.895% Allowed 6.700% Over by +1.195%<br>This loan is compliant with regulation MA 209 CMR 32.35. | This loan is compliant with regulation MA 209 CMR 32.35. | This loan is compliant with regulation MA 209 CMR 32.35. |  |  | QC Complete | 01/XX/2026 | 01/XX/2026 | 01/XX/2026 | 01/XX/2026 |
| 900000494 | XXX | XXX |  | XXX | Massachusetts | 09/XX/2022 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | JRPIDNEJ12S-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 7.895% Allowed 7.700% Over by +0.195%<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 | 01/XX/2026 | 01/XX/2026 | 01/XX/2026 | 01/XX/2026 |
| 900000511 | XXX | XXX |  | XXX | Florida | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | ELCF5G2SXNL-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide UDM for borrower (XXX) as it is required by the guideline<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000521 | XXX | XXX |  | XXX | New Jersey | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | WMDRDQNM0IL-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of lease agreement for the subject property as it is missing.<br>Resolved 09/XX/2025 - Received lease agreement for subject property, condition resolved. | Resolved 09/XX/2025 - Received lease agreement for subject property, condition resolved. | Resolved 09/XX/2025 - Received lease agreement for subject property, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000521 | XXX | XXX |  | XXX | New Jersey | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | WMDRDQNM0IL-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a copy of government ID for the borrower (XX) as it is missing.<br>Resolved 10/XX/2025 - Received GOV ID, condition resolved. | Resolved 10/XX/2025 - Received GOV ID, condition resolved. | Resolved 10/XX/2025 - Received GOV ID, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000525 | XXX | XXX |  | XXX | Florida | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | BW41JHUNYMD-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Tax certificate.<br>Resolved 10/XX/2025 - Received tax information form, condition resolved. | Resolved 10/XX/2025 - Received tax information form, condition resolved. | Resolved 10/XX/2025 - Received tax information form, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000526 | XXX | XXX |  | XXX | Alaska | 09/XX/2025 | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | AVS0Y2E00TE-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Property Eligibility for Log Home.<br>A copy of an exception approval letter is available in the loan file. |  |  | DSCR: 1.66 DSCR exceeds the guideline requirement of 1.00.<br>FICO: 791 FICO exceeds the guideline requirement of 660.<br>Reserves: The 113 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 10/XX/2025 |  |  | 10/XX/2025 |
| 900000532 | XXX | XXX |  | XXX | Texas | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | 1UM0MQ1TQIO-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | An exception using 75% of company assets for reserves instead of 100%<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 752 FICO exceeds the guideline requirement of 700.<br>Residual Income: $5,573.97 monthly.<br>DTI: 43.95% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 09/XX/2025 |  |  | 09/XX/2025 |
| 900000532 | XXX | XXX |  | XXX | Texas | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | 1UM0MQ1TQIO-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide VOR to verify recent 12 months payment history for borrower current residence (XX) with rent $1,536.00.<br>Resolved 10/XX/2025 - Received VOR proof, condition resolved. | Resolved 10/XX/2025 - Received VOR proof, condition resolved. | Resolved 10/XX/2025 - Received VOR proof, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000534 | XXX | XXX |  | XXX | California | 09/XX/2025 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 1MNYMHW4BDC-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Requesting exception for FTHB with loan amount $XXX vs max 1,500,000.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 785 FICO exceeds the guideline requirement of 740.<br>DTI: 6.59% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 41 months of available reserves are more than the guideline requirement of 9 months. |  | QC Complete | 01/XX/2026 |  |  | 10/XX/2025 |
| 900000545 | XXX | XXX |  | XXX | Tennessee | 09/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 5WPVNOH1TDM-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 8.157% Allowed 7.720% Overby +0.437%<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 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000552 | XXX | XXX |  | XXX | Arizona | 08/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | E2R3HGWTKCB-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower(XXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000562 | XXX | XXX |  | XXX | North Carolina | 06/XX/2025 | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | 5UUYXBAVK0T-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 9.171% Allowed 8.370% Overby +0.801%.<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 | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 |
| 900000562 | XXX | XXX |  | XXX | North Carolina | 06/XX/2025 | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | 5UUYXBAVK0T-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | The borrower has been living rent-free for 5 years, which exceeds the guidelines for 12-month limit for first-time homebuyers (FTHB).<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 725 FICO exceeds the guideline requirement of 700.<br>Residual Income: $62,234.51 monthly.<br>DTI: 6.88% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 06/XX/2025 |  |  | 06/XX/2025 |
| 900000562 | XXX | XXX |  | XXX | North Carolina | 06/XX/2025 | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Doc Issue | 5UUYXBAVK0T-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of supplementary report to cover the cover the loan amount $XXX.<br>Resolved 07/XX/2025 - Received title report with insured amount, condition resolved. | Resolved 07/XX/2025 - Received title report with insured amount, condition resolved. | Resolved 07/XX/2025 - Received title report with insured amount, condition resolved. |  |  | QC Complete | 06/XX/2025 | 07/XX/2025 | 07/XX/2025 | 06/XX/2025 |
| 900000569 | XXX | XXX |  | XXX | New Jersey | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | AVUJYIYPSY5-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Gift source ($16,000.00) is missing in the file (require donor statement or wiring details, and borrower statement where gift fund was received).<br>Resolved 09/XX/2025 - Received gift wire, condition resolved. | Resolved 09/XX/2025 - Received gift wire, condition resolved. | Resolved 09/XX/2025 - Received gift wire, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000579 | XXX | XXX |  | XXX | Colorado | 08/XX/2022 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | QQEQGEW14OV-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Loan Score card missing in the package ,provide a copy of Loan score card.<br>Resolved: Loan Scorecard received - 9/13 | Resolved: Loan Scorecard received - 9/13 | Resolved: Loan Scorecard received - 9/13 |  |  | QC Complete | 09/XX/2022 | 09/XX/2022 | 09/XX/2022 | 09/XX/2022 |
| 900000588 | XXX | XXX |  | XXX | Virginia | 08/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | LZVBAUQ0B0F-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000593 | XXX | XXX |  | XXX | Texas | 08/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | K3DGAK40XUE-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower (XXX) as it is required by the guideline<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000595 | XXX | XXX |  | XXX | Nevada | 08/XX/2025 | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | 2BA2E0JZMK3-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception to permit FICO 716 vs minimum 740. <br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 27.90% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 66.52% LTV is less than the guideline requirement of 70.00%.<br>Residual Income: $82,039.38 monthly.<br>|  | QC Complete | 09/XX/2025 |  |  | 09/XX/2025 |
| 900000595 | XXX | XXX |  | XXX | Nevada | 08/XX/2025 | Refinance | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | 2BA2E0JZMK3-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Not Resolved 09/XX/2025: Received revised Closing disclosure dated 8/XX/2025, instead of Initial Closing disclosure. 8/XX/2025 revised closing disclosure already available in loan package and updated.<br>Not Resolved 10/XX/2025: Received revised Closing disclosure dated 8/XX/2025, instead of Initial Closing disclosure. 8/XX/2025 revised closing disclosure already available in loan package and updated.<br>Resolved 10/XX/2025: Received LOE for Initial Closing Disclosure dated 08/XX/2025 and exception is cleared. | Resolved 10/XX/2025: Received LOE for Initial Closing Disclosure dated 08/XX/2025 and exception is cleared. | Resolved 10/XX/2025: Received LOE for Initial Closing Disclosure dated 08/XX/2025 and exception is cleared. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000599 | XXX | XXX |  | XXX | California | 09/XX/2025 | Cash Out | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | 44XT5DSMSV4-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan amount $XX million exceeding the guideline maximum loan amount $2 million.<br>A copy of an exception approval letter is available in the loan file. |  |  | Credit score: Borrower FICO 780 exceeds guideline minium FICO 720.<br>DTI : Borrower DTI 35% is less than maximum guideline DTI 50%.<br>Reserves: Borrower has surplus reserves of $500,000.00.<br>|  | QC Complete | 09/XX/2025 |  |  | 09/XX/2025 |
| 900000599 | XXX | XXX |  | XXX | California | 09/XX/2025 | Cash Out | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | 44XT5DSMSV4-TS7KKCIE | Waived | 4 | W | \* Cash Out Amount Exceeds Guidelines (Lvl W) | Maximum cash out allowed by guideline is $XX. Cash to borrower as per final CD reflecting $XXX.<br>A copy of an exception approval letter has been received. |  |  | DTI: 17.14% is lower than the maximum guideline requirement of 50.00%.<br>Reserves: 31 months of available reserves are more than the guideline requirement of 12 months.<br>FICO: 781 exceeds the minimum FICO requirement of 780. |  | QC Complete | 09/XX/2025 |  |  | 09/XX/2025 |
| 900000602 | XXX | XXX |  | XXX | Georgia | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | B3I0WYXNNMP-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | 80% LTV for $XX vs max 75% LTV for $XX per guidelines<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 806 FICO exceeds the guideline requirement of 740. <br>DTI: 2.18% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 01/XX/2026 |  |  | 09/XX/2025 |
| 900000602 | XXX | XXX |  | XXX | Georgia | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | B3I0WYXNNMP-6AFLOU1Y | Resolved | 3 | R | \* Purchase Contract (Lvl R) | Missing Purchase contract with sale price of $XX.<br>Resolved 09/XX/2025 - Received updated purchase contract, condition resolved. | Resolved 09/XX/2025 - Received updated purchase contract, condition resolved. | Resolved 09/XX/2025 - Received updated purchase contract, condition resolved. |  |  | QC Complete | 01/XX/2026 | 01/XX/2026 | 01/XX/2026 | 09/XX/2025 |
| 900000604 | XXX | XXX |  | XXX | California | 09/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | FPUUDIDISTT-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Preliminary title does not reflect the amount of $XXX title insured coverage amount. provide a copy of the supplemental report.<br>Resolved 10/XX/2025 - Received updated supplemental report, condition resolved. | Resolved 10/XX/2025 - Received updated supplemental report, condition resolved. | Resolved 10/XX/2025 - Received updated supplemental report, condition resolved. |  |  | QC Complete | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000608 | XXX | XXX |  | XXX | New York | 09/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | 2VK0LMZJT2P-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide UDM for borrower(XX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000614 | XXX | XXX |  | XXX | Hawaii | 09/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Guidelines | KQKB0SKRKFU-J587LE2V | Resolved | 4 | R | \* Loan does not conform to program guidelines (Lvl R) | The guidelines specify a maximum land area of 20 acres. However, the subject property in the loan file has a land area of XX acres, which exceeds the allowable limit and does not meet eligibility requirements.<br>Resolved 10/XX/2025 - Received lender response as " These are town houses and the total project is XX acres and it's 6 units per acre, condition resolved. | Resolved 10/XX/2025 - Received lender response as " These are town houses and the total project is XX acres and it's 6 units per acre, condition resolved. | Resolved 10/XX/2025 - Received lender response as " These are town houses and the total project is XX acres and it's 6 units per acre, condition resolved. |  |  | QC Complete | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000624 | XXX | XXX |  | XXX | Georgia | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | B2GDS0UFCXD-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of Bank statement XXX of the month September 2024.<br>Resolved 09/XX/2025 - Received bank statement for September month, condition resolved. | Resolved 09/XX/2025 - Received bank statement for September month, condition resolved. | Resolved 09/XX/2025 - Received bank statement for September month, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000636 | XXX | XXX |  | XXX | Michigan | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | JBHE3YNFT4H-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XX) as it is required by the guideline.<br>Gap report present in file dated 08/XX/2025 before closing date 09/XX/2025.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000641 | XXX | XXX |  | XXX | Texas | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | PTZ5P4DV1G3-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Occupant marked as owner on the appraisal report, transaction type is purchase investment. Provide an updated appraisal with occupant status as vacant or tenant.<br>Resolved 10/XX/2025 - Received LOX " The appraiser reiterated the property was owner occupied at the time of their inspection and advised a revision was not required", condition resolved. | Resolved 10/XX/2025 - Received LOX " The appraiser reiterated the property was owner occupied at the time of their inspection and advised a revision was not required", condition resolved. | Resolved 10/XX/2025 - Received LOX " The appraiser reiterated the property was owner occupied at the time of their inspection and advised a revision was not required", condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000642 | XXX | XXX |  | XXX | California | 09/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 3ZCNPC2WIMI-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX.<br>Resolved 10/XX/2025 - Received updated supplemental report, condition resolved. | Resolved 10/XX/2025 - Received updated supplemental report, condition resolved. | Resolved 10/XX/2025 - Received updated supplemental report, condition resolved. |  |  | QC Complete | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000650 | XXX | XXX |  | XXX | Washington | 09/XX/2025 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 5DXSCZSJEL2-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Permit a non-occupant borrower for a 2 unit primary rate/term refinance<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 16.42% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 40.80% LTV is less than the guideline requirement of 70.00%.<br>Residual Income : $36,273.32 monthly. |  | QC Complete | 01/XX/2026 |  |  | 09/XX/2025 |
| 900000666 | XXX | XXX |  | XXX | Arizona | 05/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | TQAGAN0LU1C-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide Real estate appraisers error and omissions insurance policy, as it is missing.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. | Resolved 06/XX/2025 - Received E&O Policy, condition resolved. | Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |  |  | QC Complete | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 |
| 900000667 | XXX | XXX |  | XXX | North Carolina | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | R0A4VLR5F5M-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000673 | XXX | XXX |  | XXX | Texas | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Doc Issue | OQT00MWIFJC-JPQK8SU9 | Resolved | 3 | R | \* Missing Appraisal (Lvl R) | Provide a copy of Appraisal Report.<br>Resolved 10/XX/2025 - Received Appraisal report, condition resolved. | Resolved 10/XX/2025 - Received Appraisal report, condition resolved. | Resolved 10/XX/2025 - Received Appraisal report, condition resolved. |  |  | QC Complete | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000686 | XXX | XXX |  | XXX | Florida | 08/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | GWRSABJLD5X-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrower (XX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000702 | XXX | XXX |  | XXX | Louisiana | 05/XX/2025 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | JRNYTLJJMPB-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide E&O (Error & Omission) policy as it is missing.<br>Resolved 06/XX/2025 - Received appraisal report with E&O Policy, condition resolved. | Resolved 06/XX/2025 - Received appraisal report with E&O Policy, condition resolved. | Resolved 06/XX/2025 - Received appraisal report with E&O Policy, condition resolved. |  |  | QC Complete | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 |
| 900000702 | XXX | XXX |  | XXX | Louisiana | 05/XX/2025 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Title Review | JRNYTLJJMPB-A7YJSEV7 | Resolved | 3 | R | \* Title issue (Lvl R) | Provide executed and notarized Quit claim deed removing vesting from XX.<br>06/XX/2025: the copy of QCD resolves the condition. | 06/XX/2025: the copy of QCD resolves the condition. | 06/XX/2025: the copy of QCD resolves the condition. |  |  | QC Complete | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 |
| 900000702 | XXX | XXX |  | XXX | Louisiana | 05/XX/2025 | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | JRNYTLJJMPB-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide updated final 1003 REO section reflecting borrower current address "XXX" from investment to primary residence.<br>Resolved 06/XX/2025 - Received corrected 1003 application for investment to primary residence, condition resolved. | Resolved 06/XX/2025 - Received corrected 1003 application for investment to primary residence, condition resolved. | Resolved 06/XX/2025 - Received corrected 1003 application for investment to primary residence, condition resolved. |  |  | QC Complete | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 | 06/XX/2025 |
| 900000706 | XXX | XXX |  | XXX | Florida | 09/XX/2025 | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Credit | TAD0AD34V2I-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of UDM report as it is missing.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000706 | XXX | XXX |  | XXX | Florida | 09/XX/2025 | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | TAD0AD34V2I-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception to allow 718 FICO for 720 required.<br>A copy of an exception approval letter is available in the loan file. |  |  | Residual Income: $4,671,173.81 monthly.<br>DTI: 0.71% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 09/XX/2025 |  |  | 09/XX/2025 |
| 900000708 | XXX | XXX |  | XXX | South Carolina | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | ILUKKZXUD12-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide UDM for borrower (XX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000717 | XXX | XXX |  | XXX | California | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | LXPKKCCZOCC-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XXX.<br>10/XX/2025 Resolved: The copy of final title policy resolves the condition. | 10/XX/2025 Resolved: The copy of final title policy resolves the condition. | 10/XX/2025 Resolved: The copy of final title policy resolves the condition. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000759 | XXX | XXX |  | XXX | Georgia | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | B0SNHCQGBLU-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide UDM for borrower (XXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000761 | XXX | XXX |  | XXX | Oregon | 09/XX/2025 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | AYHBNXSREMA-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Assets - Requesting exception to permit 100% of business checking and savings balance<br>A copy of an exception approval letter is available in the loan file. |  |  | Residual Income: $6,016.64.00 monthly.<br>FICO: 753 FICO exceeds the guideline requirement of 700. |  | QC Complete | 10/XX/2025 |  |  | 10/XX/2025 |
| 900000765 | XXX | XXX |  | XXX | Maine | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 4GTRZA2HHTN-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the UDM (Undisclosed Debt Monitoring) document for borrowers (XXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000774 | XXX | XXX |  | XXX | California | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | WEBM40NVMBK-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the lease agreement for the property at XX.<br>Resolved 10/XX/2025 - Received LOE as property having month to month lease and the lease agreement is not required, condition resolved. | Resolved 10/XX/2025 - Received LOE as property having month to month lease and the lease agreement is not required, condition resolved. | Resolved 10/XX/2025 - Received LOE as property having month to month lease and the lease agreement is not required, condition resolved. |  |  | QC Complete | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000778 | XXX | XXX |  | XXX | Nevada | 09/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | FVV3MRZJ15S-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a copy of Government ID for the borrower (XX), as it is missing.<br>Resolved 10/XX/2025 - Received GOV ID, condition resolved. | Resolved 10/XX/2025 - Received GOV ID, condition resolved. | Resolved 10/XX/2025 - Received GOV ID, condition resolved. |  |  | QC Complete | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000786 | XXX | XXX |  | XXX | Arizona | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | QYSNXA3MZZ3-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of UDM report as it is missing.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000795 | XXX | XXX |  | XXX | Pennsylvania | 09/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Doc Issue | 14B4AYJSWR4-2VXD5FWR | Resolved | 3 | R | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl R) | Missing Initial Escrow Account Disclosure.<br>Resolved 10/XX/2025: Received Initial Escrow Account Disclosure dated 09/XX/2025 and exception is cleared. | Resolved 10/XX/2025: Received Initial Escrow Account Disclosure dated 09/XX/2025 and exception is cleared. | Resolved 10/XX/2025: Received Initial Escrow Account Disclosure dated 09/XX/2025 and exception is cleared. |  |  | QC Complete | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000806 | XXX | XXX |  | XXX | Alabama | 09/XX/2025 | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | 0QEFZ22KCIP-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | GLA on subject property under XX sqft<br>A copy of an exception approval letter is available in the loan file. |  |  | Residual Income : $7,430.77.00 monthly (Calculate it Total income - Total obligation)<br>FICO 797 exceeds the minimum guideline requirement of 720<br>DTI 47.34% is less than the maximum guideline requirement of 50%. |  | QC Complete | 10/XX/2025 |  |  | 10/XX/2025 |
| 900000807 | XXX | XXX |  | XXX | Florida | 08/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | 0DWV0BNOKPC-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of UDM for borrower(XX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000831 | XXX | XXX |  | XXX | New Jersey | 08/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | OSBC2P1WS5C-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower (XX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000842 | XXX | XXX |  | XXX | Alabama | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 5V0Y1BDFODQ-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the Settlement Statement for the property located at XXX, showing the proceeds from the real estate sale amounting to $XX to be finalized on or before closing.<br>Resolved 10/XX/2025 - Received settlement statement with proceeds $XX, condition resolved. | Resolved 10/XX/2025 - Received settlement statement with proceeds $XX, condition resolved. | Resolved 10/XX/2025 - Received settlement statement with proceeds $XX, condition resolved. |  |  | QC Complete | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000846 | XXX | XXX |  | XXX | Arizona | 08/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | YFRF11DEW54-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower (XX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000856 | XXX | XXX |  | XXX | Georgia | 09/XX/2025 | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | UJZCCEKMPQS-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception requested to omit the commercial mortgage with XX from liabilities and waive verification of the pay history.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 791 FICO exceeds the guideline requirement of 640.<br>Residual Income: $1,983.62 monthly. |  | QC Complete | 10/XX/2025 |  |  | 10/XX/2025 |
| 900000873 | XXX | XXX |  | XXX | California | 09/XX/2025 | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | PXVTYSUEOUV-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide updated final application reflecting the intended to use occupancy as primary residence for property address "XXX"<br>Resolved 10/XX/2025 - Received updated 1003 application, condition resolved. | Resolved 10/XX/2025 - Received updated 1003 application, condition resolved. | Resolved 10/XX/2025 - Received updated 1003 application, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000876 | XXX | XXX |  | XXX | Texas | 09/XX/2025 | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | HKV4VPNGS04-2XRZ4V9U | Resolved | 3 | R | \* Note is missing or unexecuted (Lvl R) | Provide a copy of Note document.<br>Resolved 10/XX/2025 - Received Note document, condition resolved. | Resolved 10/XX/2025 - Received Note document, condition resolved. | Resolved 10/XX/2025 - Received Note document, condition resolved. |  |  | QC Complete | 09/XX/2025 | 10/XX/2025 | 10/XX/2025 | 09/XX/2025 |
| 900000881 | XXX | XXX |  | XXX | Texas | 10/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | ZHAIQYQE1CQ-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 7.748% Allowed 7.720% Overby +0.028%<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 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000903 | XXX | XXX |  | XXX | New York | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | SCHGKOTN0N5-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide UDM for borrower(XXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000903 | XXX | XXX |  | XXX | New York | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | SCHGKOTN0N5-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide supporting document (wire transaction) for gift fund $365,000 as it is missing.<br>Resolved 09/XX/2025 - Received gift wire, condition resolved. | Resolved 09/XX/2025 - Received gift wire, condition resolved. | Resolved 09/XX/2025 - Received gift wire, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000905 | XXX | XXX |  | XXX | Arizona | 09/XX/2025 | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | V5WPHKTJS52-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower(XXX) as it is required by the guideline.<br>09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. | 09/XX/2025 - Resolved as per the updated guidelines do not require UDM. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000911 | XXX | XXX |  | XXX | Texas | 09/XX/2025 | Refinance | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | 21IMAE5MJ34-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | LTV/CLTV Exception to allow 80% LTV on max of 75% allowed.<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 31.90% DTI is less than the maximum guideline requirement of 50.00%.<br>Residual Income: $41,247.22 monthly.<br>|  | QC Complete | 10/XX/2025 |  |  | 10/XX/2025 |
| 900000916 | XXX | XXX |  | XXX | Florida | 09/XX/2025 | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 3TTHQHSC1PV-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 8.260% Allowed 8.040% Overby +0.220%<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 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 | 10/XX/2025 |
| 900000930 | XXX | XXX |  | XXX | Indiana | 08/XX/2025 | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | O2WD2O5TEGI-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the wire transfer document or other supporting documentation to verify the $30,000 gift amount.<br>Resolved 09/XX/2025 - Received Wire transfer for the gift amount, condition resolved. | Resolved 09/XX/2025 - Received Wire transfer for the gift amount, condition resolved. | Resolved 09/XX/2025 - Received Wire transfer for the gift amount, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |
| 900000934 | XXX | XXX |  | XXX | New York | 09/XX/2025 | Refinance | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | KWVHWOAGOW0-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Permit a non-occupant borrower for a 2 unit primary rate/term refinance<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 16.42% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 725 FICO exceeds the guideline requirement of 720.<br>LTV: 40.80% LTV is less than the guideline requirement of 80.00%. |  | QC Complete | 01/XX/2026 |  |  | 09/XX/2025 |
| 900000948 | XXX | XXX |  | XXX | Indiana | 09/XX/2025 | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | YSCTARWXWLC-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The Note and Final 1003 indicate that the borrower is an LLC. However, the Mortgage, Final Title and Appraisal show the borrower as an individual.<br>Resolved 09/XX/2025 - Received Quit claim deed as the reflecting the borrower as individual, condition resolved. | Resolved 09/XX/2025 - Received Quit claim deed as the reflecting the borrower as individual, condition resolved. | Resolved 09/XX/2025 - Received Quit claim deed as the reflecting the borrower as individual, condition resolved. |  |  | QC Complete | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 | 09/XX/2025 |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

NRMLT 2026-NQM1

Dated: January 6, 2026

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

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview**

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by Rithm Capital (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size and criteria.**

The final population of the Review covered 2 Loans, 1 Residential Loan and 1 Business Purpose Loan, totaling an aggregate original principal balance of approximately $900,000.00 Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

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

The Review was conducted consistent with the criteria for Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency, LLC ("KBRA"), the NRSROs identified in Item 3 of the ABS Due Diligence-15E.

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

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

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

---

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|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

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![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

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![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

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![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

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|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

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![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

**Overall Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

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**Data Results Summary**

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| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |

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**APPENDIX A**

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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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:**

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

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

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

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|  | iii) | verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations; |
|  | iv) | determine whether a valid and properly documented changed circumstance accompanies any changes to loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and |
|  | v) | confirm the presence of a settlement service provider list, as applicable. |
| &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> | <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> |
|  | i) | confirm current applicable HUD form was provided; |
|  | ii) | determination that the 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;c) | <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> | <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> |
|  | i) | review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances; |
|  | ii) | confirm loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and loan documents; and |
|  | iii) | review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement. |
| &nbsp;&nbsp;d) | <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> | <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> |
|  | i) | confirm the presence of the Servicing Disclosure Statement form in the loan file; |
|  | ii) | verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application; |
|  | iii) | confirm the presence of the Special Information Booklet in the loan file or that the loan file contains documentary evidence that the disclosure was provided to the borrower; |
|  | iv) | confirm the Special Information Booklet was provided within three (3) business days of application; |
|  | v) | confirm the presence of the Affiliated Business Arrangement Disclosure in the loan file in the event the lender has affiliated business arrangements; |
|  | vi) | confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application; |
|  | vii) | confirm the Affiliated Business Arrangement Disclosure is executed; and |
|  | viii) | confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing. |

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

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

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

**(VI) Document Review**

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

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

■ Final application (1003);

■ Note;

■ Appraisal;

■ Sales contract;

■ Title/Preliminary Title;

■ Initial TIL;

■ Final TIL;

■ Final HUD-1;

■ Initial and final GFE's;

■ Right of Rescission Disclosure;

■ Mortgage/Deed of Trust;

■ Mortgage Insurance;

■ Tangible Net Benefit Disclosure;

■ FACTA disclosures; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(XI) FIRREA Review

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

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

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

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

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

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

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

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

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

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);

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 16 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 17 \| P a g e |

---

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

(XIII) Document Review

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

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

■ Closing Disclosures; and

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

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 18 \| P a g e |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |
| **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 PM** |
| **LOAN INFORMATION** | **Origination Values** | **AVM Values** | **Desk Review Values** | **Desk Top Review Values** | **BPO Values** | **Field Review Values** | **2055 Values** | **Updated Values** | **Updated Multi Property Values** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Company** | **Confidence Score** | **Appraisal Date** | **Risk Score** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 900000979 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1073 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 900000982 | XX | XX | XX | XX | XX | XX | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |
| **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 PM** | **Run Date - 12/30/2025 4:32:14 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 | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 900000979 | XX | XX | XX | XX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 900000982 | XX | XX | XX | XX A | C | C | C | C | C A | A | A | A | A | A |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| |
|:---|
| ![](ex99-3sch3_001.jpg) |
| **Business Purpose Data** |
| **Run Date - 12/30/2025 4:32:14 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **Default Rate** | **EIN Number** |
| 900000979 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $2550.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2550 | 0.68 | 0.68 | $3753.28 |  |  |  | No |  |  | YES | $147.42 | $878.92 | $0.00 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 13 | 7 | US Citizen | US Citizen | 748 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 681 | 662 | 723 | XX | XX |  | US Citizen | Stated, Verified | 732 | 748 | 762 | Not Required | Not Required | XX |  | XX | 1 | XX | XX | 3 | 3.1 | C1 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | TRUE | 18 | XX |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| |
|:---|
| ![](ex99-3sch4_001.jpg) |
| **Data Compare** |
| **Run Date - 12/30/2025 4:32:14 PM** |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 900000979 | XX | XX | XX | DSCR | 1.180 | 0.680 | verified |
| 900000979 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 900000979 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 900000979 | XX | XX | XX | Note Date |  | XX | Verified w/ note |
| 900000979 | XX | XX | XX | PITI | 3753.28 | 3605.86 | PITI payment, HOA not incl |
| 900000979 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 900000979 | XX | XX | XX | Product Code | XX | XX | same |
| 900000979 | XX | XX | XX | Property Type | Single Family | Townhouse | verified, appraisal |
| 900000979 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 900000982 | XX | XX | XX | Doc Type | Alternative Doc | P&L | Same |
| 900000982 | XX | XX | XX | Note Date |  | XX | verified |
| 900000982 | XX | XX | XX | Product Code | XX | XX | Same |
| 900000982 | XX | XX | XX | QM Status |  | Exempt |  |
| 900000982 | XX | XX | XX | Qualifying DTI | 45.00000 | 0.45000 | Same |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

---

| |
|:---|
| ![](ex99-3sch5_001.jpg) |
| **Exception Detail** |
| **Run Date - 12/30/2025 4:32:14 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 900000979 | XX | XX | XX | 7143179 | 350 | 06/06/2025 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | Guidelines reflect maximum LTV/CLTV of 70%. Subject closed with a LTV/CLTV of 75%. |  | Exception granted allowing 75% LTV cash out DSCR. Compensating factors: DSCR Ratio > 1.15% (1.18%), 40 points over minimum score in the tier, FICO 748, reserves after close $48,154.00 | Client 07/08/2025 01:58 PM; Please find exception attached. Thank you. <br>Reviewer 07/08/2025 02:43 PM; Condition has been reviewed. Thx <br>|  |  | 07/08/2025 B | 2 | XX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 900000982 | XX | XX | XX | 7146309 | 901 | 07/03/2025 | Compliance | Compliance |  | Compliance - TRID Other |  | Loan is non-trid compliant due to APR increasing greater than .125 on 6/30 CD and the required additional 3 day waiting period was not provided. | Information provided |  | Client 07/14/2025 09:43 AM; 6/XX to 6/XX CD-APR changed from8.017 to 9.179, however there is 3 days gap between 6/XX and 6/XX CD, i.e. XX.please clear<br>Reviewer 07/14/2025 10:37 AM; Hello <br> The APR increased on 6/30 and did not provide the required additional 3 day waiting period. <br>Thanks<br>Reviewer 07/14/2025 11:01 AM; <br>| 07/15/2025 |  | A | 1 | XX | OR | 1 | 1 C A | C | A |  | Exempt | 1 |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 6**

---

| |
|:---|
| ![](ex99-3sch6_001.jpg) |
| **QM ATR Data** |
| **Run Date - 12/30/2025 4:32:14 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 900000979 | XX | XX | XX | Exempt | N/A | No | XX | No |  |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 900000982 | XX | XX | XX | Exempt | N/A | No | XX | No | Yes |  | 06/16/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.4

**Exhibit 99.4**

**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 residential mortgage loans acquired by Rithm Capital Corp, through a bulk purchase. The review included a total of one (1) residential mortgage loans, in connection with the securitization identified as NRMLT 2026-NQM1 (the "Securitization"). The Review was conducted in June 2025 on mortgage loans originated in June 2025.

**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)** **Credit Documentation:** A review of the documentation underlying the credit decision was performed
to determine sufficiency for consideration in the Credit Review. The Credit Documentation review consisted of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Loan Application:** Complete loan application is present in the loan
file for all borrowers/guarantors;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit Report:** Credit Report in file for all borrowers and meets
guideline seasoning requirements and contains OFAC clearance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Income Documentation / Lease Agreements:** Confirmation of the presence
of income documentation in the loan file when required by lender or Client specified underwriting guidelines. For rental properties where
existing leases are required to be verified, verify their presence and sufficiency for purpose based on underwriting guideline standards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Asset Documentation:** Confirmation of presence of asset documentation
requirements relative to loan type and guideline requirements for verification of closing funds and reserves;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower/Guarantor Identification:** Verify that the file contains
a copy of a government issued identification verification for each borrower (i.e. driver's license, state ID, passport);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Insurance Certificate:** Verify that the loan file contains a copy
of the hazard insurance certificate for the subject property and that flood insurance is also documented when required;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Property Valuation:** Confirm the presence of a complete appraisal
report and supporting secondary independent estimate of value;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Commercial Borrower Organizing Documentation:** Confirm the presence
an Operating Agreement, Bylaws, related amendments and filings or other organizing and operating documentation relative to the commercial
borrower entity;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Articles of Incorporation/Certificate of Formation:** Confirm that
each loan file contains a copy of the Articles of Incorporation establishing registration within the state of operation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Certificate of Good Standing:** Confirm that each borrowing entity
is active in the state of registration by confirming the presence of a web print out or certification of good standing for the state is
in the file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower Authority / Consent of Members:** Confirm that the loan file
contains evidence that the individual executing the loan agreements has been given signing authority on behalf of the borrowing entity.

&nbsp;&nbsp;&nbsp;&nbsp;**(b)** **Legal Documentation:** A review of the documentation required to secure
the lender's interest in the loan and the borrower(s)' obligations thereunder was conducted with the purpose of validating
their presence in the mortgage loan file and sufficiency of execution:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Note/Loan Agreement/Security Instrument/Extension:** Verification of
the presence of the note, loan agreement or security instrument as applicable and that the agreement is properly executed by all parties.
Confirm that all applicable allonges or addenda to the note are evidenced in the loan file and duly executed by all responsible parties.
If the subject loan has reached or is nearing maturity confirm that an extension agreement is present and duly executed by all required
parties;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Mortgage/Deed of Trust/Assignment of Rents:** Verify that a mortgage
or deed of trust is in file and is duly executed and notarized and that it contains all applicable riders including an assignment of rents;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Power of Attorney:** If closing docs are executed by a POA confirm
that the POA complies with all applicable underwriting and legal requirements including those for timing, form, authority and execution;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Personal Guaranty:** Verify that the requisite individual ownership
percentage of a commercial entity borrower as stipulated within Client or lender underwriting guidelines has provided a personal guaranty
for the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Affidavit of Commercial Purpose/Occupancy Certification:** Verify that
each file contains a borrower statement verifying that the loan is for commercial purpose and that the subject property will not be owner
occupied;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Title Policy:** Confirmation that the file contains evidence of title
insurance and that the title is free from material defects that could affect lien position;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Deed for Conveyance of Title:** Confirm that the applicable Grant or
Warranty Deed is evidenced in the loan file and properly conveys interest in the subject property;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Purchase Contract:** If applicable, confirm the presence of a valid
and executed Purchase and Sale Agreement along with any counter offers and modified terms of sale;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Settlement Statement:** As applicable based on loan type and origination
date, confirm the presence of a final settlement statement in the mortgage loan file.

&nbsp;&nbsp;&nbsp;&nbsp;**(c)** **Guidelines:** The underwriting guidelines as specified by Client served
as the criteria under which each loan qualification review took place. Qualification criteria includes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower/Guarantor Eligibility:** Review each borrower to ensure that
they meet eligibility requirements of underwriting guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Assets:** Validate that the mortgage loan file contains adequately
qualified verification of assets to meet underwriting standards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Debt-Service Coverage Ratios "DSCR":** Applicable to DSCR
loans, calculate the debt-service coverage ratio to ensure it meets minimum guideline standards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit History:** Review the borrower credit reports and any supplemental
credit history documentation to verify whether the borrower met guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit Scores:** Review each borrower/guarantor credit report to validate
that the credit score used in qualification is accurate and whether it meets minimum loan qualification and underwriting standards as
specified in the underwriting guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Occupancy:** Confirm that the occupancy of the subject property used
for qualification of the loan is accurate and compliant with guideline requirements. For Business Purpose and Investment loans, verify
the presence of a borrower executed affidavit confirming the commercial/business purpose of the loan and ensure that no other documentation
in the loan file indicates the subject property is being used for non-business purposes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Loan-to-Value Ratios:** Recalculate the Loan-to-Value Ratio utilizing
the Purchase Contract, Property Valuations and/or Loan Agreements to determine whether initial, as-is and as-repaired LTV and CLTV meet
loan qualification and underwriting guideline standards based on the calculation methods set forth in underwriting guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Insurance:** Confirm the adequacy of hazard insurance coverage and
that premiums are included in PITI calculations. If required based on flood zone, confirm the presence and adequacy of flood insurance
coverage and that premiums are included in PITI calculations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Compensating Factors:** Review and validate any compensating factors
used in the qualification of the loan and in consideration of loan level underwriting guideline exceptions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Letters of Explanation:** Confirm the presence of Letters of Explanation
(LOX) where required per underwriting guidelines and that each such LOX adequately addresses the eligibility scenario under question;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Exception Approvals:** Confirm that any exceptions to underwriting
guidelines and/or investor guideline overlays were fully documented, properly approved, and supported;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Misrepresentation / Fraud Review:** Validate that an independent third-party
fraud report was obtained for each guarantor when required by underwriting guidelines and that red flags on third party fraud reports
have been reviewed.

**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;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;&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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm a full three (3) day rescission period was provided to the borrower(s)

&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 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 and all additional property valuation documentation to determine whether source, format and type meet program
and guideline eligibility requirements, and that property is in "average" condition or better. If the property requires cosmetic
improvements (as defined by the appraiser), confirm that they do not affect habitability.

&nbsp;&nbsp;&nbsp;&nbsp;b. As applicable, assess rental income schedules

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;m. As applicable, assess rental income schedules

&nbsp;&nbsp;&nbsp;&nbsp;n. 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;o. Additional valuation products were not required when the CU score provided was 2.5 or below or the Federal
Home Loan Mortgage Corporation Loan Collateral Advisor 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 appraisal risk score was not eligible for Collateral Rep and Warranty
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 Collateral Rep and Warranty relief 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 (1 loan in total):

One (1) loan had a Desktop Review, zero (0) loans had an AVM, zero (0) loans had a BPO, and zero (0) loans had a Second Appraisal. Consolidated Analytics has independent access to the Desktop Review ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or the AVM FSD score did not meet allowable thresholds, then a Desktop Review, Field Review, Broker Price Opinion (BPO) along with a Reconciliation of the value, or a 2nd appraisal was required.

There were zero (0) occurrences of this.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one (1) mortgage loan reviewed, one (1) unique mortgage loans (100.00 % by loan count) had a total of two (2) tape discrepancies across two (2) 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;T & I Payment | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 1 | $766000.00 | 100.00% |
| Event Grade B | 0 | $0.00 | 0% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 1 | $766000.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 1 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 1 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 1 loan within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 1 loan within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 1 loan within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 0 | 0% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 0 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 1 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 1 | 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;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**1** |

---

**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 99.4

**Exhibit 99.4 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** |
| 900001028 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Defect Name** | **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)** |
| 900001028 | XX |  | XX | XX | XX | XX CA | ATR/QM Exempt | Complete | 06/18/2025 | Resolved | 92300186202-01 | Credit | No Credit 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 |

---

## Exhibit 99.4

**Exhibit 99.4 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** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 900001028 | XX |  |  | XX | XX | XX |  | XX | XX | 1004 | XX | 0.54 | 0.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.00% | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 900001028 | XX |  | DSCR | 1.03 | 1.00 | $6,433 gross rents / $6,246.25 PITIA = 1.03 DSCR |
| 900001028 | XX |  | T & I Payment | 1698.76 | 1729.00 | $1,479.17 taxes + $219.59 insurance = $1,698.76 TIA |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_007.jpg)

NRMLT 2026-NQM1

Rithm Capital Corp.

## Opus Capital Markets Consultants, LLC
300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**January 9, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**Rithm Capital Corp.**

The reports summarize the results of a due diligence QC review performed on a pool of **335** loans, which were provided by Rithm Capital Corp. ("Client") who provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which 100% of the loan population was chosen.

The scope of review completed by Opus is identified as the scope of services under the terms of Exhibit A below.

In addition, Consultant performed the QC review of one prior securitization review completed by the Recovco Mortgage Management LLC ("Recovco) on behalf of Rithm Capital Corp. ("Client"). This population comprised **33** seasoned loans in which a credit and compliance review was conducted.

The scope of review completed by Opus is identified as the scope of services under the terms of Exhibit B below.

The scope of review previously completed by Recovco is identified as the scope of services under the terms of Exhibit C below.

**<u>EXHIBIT A - Opus</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.<br>

**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.<br>

**c) Credit Docs**

<br> &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;

<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).

&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;

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.<br>

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** **<br>** 

<br> 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.<br>

&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** **<br>** 

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

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:<br>

&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.<br>

**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** ****

<br> 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<br>

&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** **<br>** 

<br> **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.<br>

**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.<br>

**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.<br>

**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.<br>

**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** ****

<br> 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:<br>

**Opus Credit Grades<br>** 

<br> &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.<br>

**Opus Property Grades<br>** 

<br> &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.<br>

**Opus Compliance Grades**<br>

&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** ****

<br> &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>EXHIBIT B - Opus</u>**

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Data Collection:** 

The Consultant shall obtain all necessary loan files, reports, guidelines, data tapes, and narratives that were reviewed or produced by the original due diligence vendor. Prior to commencing the Quality Control (QC) review, the Consultant shall perform a comprehensive review of the applicable underwriting guidelines and the original scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **QC Review** 

A QC Review shall be conducted to verify the accuracy of the final report and narrative documents produced by the original due diligence vendor. The QC Review shall encompass the following components:

k) **Scope Review:** The Consultant shall review the original scope of review details to confirm that all applicable requirements
were contemplated and performed in the original review.

l) **Guidelines:** The Consultant shall review applicable guidelines and perform a data analysis of the final reports to confirm the
completeness and validity of the report content.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m) **Findings Review:** The Consultant shall conduct a comprehensive review of all loans identified with exceptions in the final
report. This review shall include verification that all required trailing documents are present within the respective loan files. Additionally,
the Consultant shall confirm that all documentation used to resolve previously identified conditions is valid and sufficient to address
the original exception. In instances where trailing documents are unavailable, the Consultant shall analyze the report commentary to ensure
that adequate explanatory notes are included, detailing how the exception was otherwise resolved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n) **Compliance QC Review:** The Consultant shall review all calculated Annual Percentage Rates (APRs) and conduct comprehensive compliance
testing on any loan for which the APR exceeds the applicable state usury limit. Additionally, the Consultant shall compare five percent
(5%) of the original loan amount to the amount reported as "Points and Fees (Regulation Z)." For any loan in which the reported
"Points and Fees" exceed this 5% threshold, the Consultant shall perform a full compliance review to ensure adherence to applicable
regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o) **Tax and Title Review:** The Consultant will perform a title review and perform the following procedures:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review updated title report (One Owner O&E report) to identify judgments / liens / encumbrances (pre and post origination) which
would impact the lien position of the subject mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm subject mortgage is recorded.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Schedule B: Ensure any liens recorded prior to the mortgage recordation date are listed to exceptions on the final title policy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Super lien Homeowners' Association (HOA) liens.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For the purpose of the review the following states are subject to HOA super liens

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. AL, AK, CO, CT, DC, DE, FL, HI, IL, MA, MD, MN, MO, NV, NH, NJ, OR, PA, RI, TN, VA, VT, WA and WV.

p) **Value Review:** The Consultant shall review the final value report to verify that all required secondary values are included
and that each meets the minimum threshold of ten percent (10%). The Consultant shall also confirm that the valuation process adheres to
the prescribed value hierarchy (value waterfall) as set forth in applicable guidelines and meet securitization standards.

q) **Securitization Preparation:** The Consultant shall create and provide all required securitization
documents, including securitization reporting, reliance letters, narrative summaries, attestations, and a 15-E disclosure, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;**3.** **QC Review** 

**Document Review**<br>

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:<br>

**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, security instrument, or equivalent per Costa Rica recording requirements. 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, Deed of
Trust, or Transfer Deed. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits
are present and duly executed.

&nbsp;&nbsp;&nbsp;&nbsp;· e 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 or Closing Disclosure: If required, verify
the presence of a final HUD-1 / Closing Disclosure. Verify the completeness of required data and signatures or certification depending
upon state compliance requirements.

&nbsp;&nbsp;&nbsp;&nbsp;· Final Truth-in-Lending Disclosure: Not Applicable

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Right to Cancel: Not Applicable

&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.

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

&nbsp;&nbsp;&nbsp;&nbsp;**4.** **Regulatory Compliance** 

**<u>Not applicable as loans do not meet US regulatory compliance requirements as originated outside of the United States.</u>**

1. The
 "material"<sup>2</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, 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.)

<sup>2</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).

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.

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

4. Confirmation that one of the following is 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; <br>

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;

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<br>** 

<br> 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.<br>

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.

**b)** **Seasoning And Certain Compliance Exceptions<br>** 

<br> 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;&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;&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;&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;&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 with 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.

&nbsp;&nbsp;&nbsp;&nbsp;**5.** **High-Cost, State & Local Anti-Predatory Regulations** 

**<u>Not applicable as loans do not meet US regulatory compliance requirements as originated outside of the United States.</u>**

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.<br>

&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

&nbsp;&nbsp;&nbsp;&nbsp;**6.** **Flood Insurance Testing** 

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the Second Street guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;**7.** **Misrepresentation and Third-Party Review** **<br>** 

<br> If applicable per guidelines, validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:<br>

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:<br>

&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.<br>

**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 does 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.**

**<u>Not applicable as loans originated outside of the United States.</u>**

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

&nbsp;&nbsp;&nbsp;&nbsp;**8.** **Data Compare** **<br>** 

<br> 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 where applicable based on asset / loan type:<br>

&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;**9.** **Opus Grading Criteria** **<br>** 

<br> 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:<br>

**Opus Credit Grades<br>** 

<br> &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.<br>

**Opus Property Grades<br>** 

<br> &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.<br>

**Opus Compliance Grades**<br>

**<u>Not applicable as loans do not meet US regulatory compliance requirements as originated outside of the United States.</u>**

&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.

**<u>EXHIBIT C - Recovco</u>**

**Scope of Services:**

&nbsp;&nbsp;&nbsp;&nbsp;1. **Regulatory Compliance Analysis:** Recovco will test each mortgage loan to verify that it closed in
compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time or origination of the mortgage
loan and that the mortgage loan meets the Truth in Lending ACT, the Dodd-Frank Act, the Real Estate Settlement Procedures Act disclosure
requirements and prohibitions of Section 50(a)(6) Article of the Texas Constitution and associated regulations and the disclosure requirements
and prohibitions of the applicable state and local laws and ordinances that were enacted to combat predatory lending.

**<u>The following section is applicable to Mortgage Loans with an application date *prior* to October 3, 2015:</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Documentation. Review of the following documents for regulatory compliance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Final Hud-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Final Truth in Lending

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Notice of Right to Cancel

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Initial, Final and Re-disclosed Truth in Lending Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Initial, Final and Re-disclosed Good Faith Estimate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Note

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High Cost and/or Anti-Predatory Laws and Regulations: Review of federal, state and local high cost, higher-priced
and/or anti predatory laws and regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. TILA/Regulation Z (Compliance with the January 10, 2014, requirements)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review and comparison of the initial and final TIL

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Recalculation of disclosed finance charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Proper execution

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Recalculation of APR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Review to determine disclosure difference were within tolerances and disclosures were provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. A review of the Notice of Right to Cancel

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification of the transaction and expiration date timing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Proper execution

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. RESPA / Regulation X: Review to ensure compliance with the January 1, 2010 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Good Faith Estimate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirm the presence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify the timing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify that all sections are accurate and complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Current applicable HUD-1 was provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Escrow deposits match initial escrow statement amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all sections of the document are accurate and completed

**<u>The following section is applicable to Mortgage Loans with an application date *on or after* to October 3, 2015:</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Documentation: Review of the following document for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial and Re-disclosed Loan Estimate (LE)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Initial Closing Document (CD)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Note

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High Cost and/or Anti-Predatory Laws and Regulations: Review of federal, state and local high cost, higher-priced and/or anti predatory laws and regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. TILA/Regulation Z

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review and comparison of LEs and CDs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Recalculation of disclosed finance charges on LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Proper completion of LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Disclosure of LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. RESPA / Regulation X: Review to ensure compliance with the January 1, 2010, requirements

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **Credit and Guideline Review:** Recovco will complete a credit review which focuses on the borrower's
ability and willingness to pay, as well as adherence to the Guidelines. The borrower's income and assets are verified and analyzed
to determine if there is sufficient support for the Mortgage Loan and any other obligations. Additionally, the borrower's credit
is reviewed to determine their past history reflects a sense of integrity regarding debt repayment. Foe each Mortgage Loan, Recovco will
perform the following credit review and Guideline analysis services.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Guideline Review: Recovco will verify whether

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Mortgage Loan was originated in compliance with the required guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The DTI of the borrower(s) meets the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The LTV/TLTV/HLTV meets the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The credit score for each borrower meets the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The assets meet the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The property type and use is eligible according to the guidelines, and if the property is co-op or condo
the property adheres to required guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. All borrowers are eligible based on the guidelines (citizenship status, non-occupant borrower)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. The transaction is eligible based on the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Maximum Loan 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;b. Loan Purpose

&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. Occupancy Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Credit Application: Recovco will verify whether

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The mortgage loan file contains a complete and executed final application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The borrower's employment was documented and verified according to the applicable underwriting guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Income Documentation: Recovco will verify whether

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine whether income documentation required by the guidelines is present for all borrowers

&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. Make an assessment of whether there are any indications of potentially fraudulent documents identified
by TP, such as potentially altered documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verify whether the income was calculated and documented in accordance with the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compare IRS transcripts to income documentation and note any indications of potentially fraudulent documents
identified

&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. Recalculated DTI ratio, including the calculation of qualifying income and liabilities according to the
guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Credit Report: Recovco will verify whether

&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. Assess whether the credit report contained in the mortgage loan file was obtained in accordance with,
and meets Guidelines 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;ii. Verify whether a credit report is in the Mortgage Loan File for all borrowers

&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. Verify whether any fraud alerts are listed on the credit report(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;iv. Capture monthly consumer debt payments to verify total debt ratio relative to Guideline requirements and
verify all disclosed mortgage debt is listed in the application under the schedule of real estate owned

&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. Gather liabilities listed on the credit report and loan applications to be included in the DTI ratio as
appropriate

&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. Make an assessment of the whether the borrowers' credit profile adheres to the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Assets: Recovco will verify whether

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Assess whether documentation required by the guidelines for verifying assets for down payment, closing
costs, prepaid items and reserves is included in the Mortgage Loan File

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify whether assets were qualified in accordance with guideline requirements including a review of any
large deposits and appropriate sourcing of funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verify whether assets and monthly reserves were calculated in accordance with guideline requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. For purchase transactions, verify whether any escrow or earnest money deposits are documented according
to the guidelines, including, the source of funds, transfer of funds and receipt of funds by escrow agent or seller

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Title: Recovco will verify

&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. Verify the appropriate vestee(s) and property description is/are on the title report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify that the APN and/or legal description on the title report matches the description on the mortgage
documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review the title report for any encumbrances, encroachments and other exceptions affecting the lien identified
through the title search and verify each issue was addressed in the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Note the property tax status and capture the monthly tax payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Review the chain of title and duration of ownership by seller or borrower (whichever is applicable) meet
the guideline

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Hazard / Flood Insurance: Recovco will verify

&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. Verify whether the borrower obtained and meets the minimum required amount of coverage required by the
guidelines, as indicated by the applicable insurance declarations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review for evidence the policy has been paid and no evidence of any policy being impaired

&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. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm that the flood certificate is for the correct borrower, property, lender and loan number and is
for life of loan certification

&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. For properties in a flood zone per the flood certification, confirm that flood insurance meets guideline
requirements in the file and meets the minimum required amount of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm that the premium amount on both the hazard and/or flood insurance match what was used in the DTI
calculation

&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. Capture the monthly fee(s) for the hazard and/or flood insurance coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Occupancy Review: Recovco will verify that based on the information provided in the mortgage loan file
and any fraud report obtained in connection with the mortgage loan confirm the property is consistent with the mortgage loan approval
and borrowers' disclosure on the mortgage loan application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Employment Review: Recovco will verify

&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. Note whether information contained in the mortgage loan file indicates employment verification at the
time of origination

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify employment and income in accordance to the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Document Review: Recovco will verify that each loan has all documents and meet guideline 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;i. Verify whether all listed borrowers signed all documents requiring signature

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify that all borrowers signing documents are eighteen (18) years or older at time of loan origination

&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. Compare social security numbers across all documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Verify whether the mortgage appears to have been notarized properly based on images available to TPR

&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. Check for apparent alterations to the imaged documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Verify whether all riders required by the terms of the mortgage and mortgage note are attached to the
respective documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Verify whether any mortgage note term changes meet the guidelines

**<u>GENERAL ABILITY TO REPAY</u>**

Note: for loans designated as QM – Agency Eligible, Recovco will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Recovco reviews loans to determine the Lender's 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"). Recovco 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. Recovco's review is based on information contained in the loan file at the time it is provided to Recovco to review and only reflects documentation as of that point in time.

**Engagement Specific ATR Waterfall Review Instructions**

Recovco utilized the following waterfall process to review the Lenders ATR Assessment.

- Review Lenders ATR Worksheet

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o If lender verifies ATR (No Additional review required)

- Capture and Report Loan Type from 1008

- Capture if an "approved" DU / LP is in file

**3.** **Valuation Review:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify that the mortgage loan file has an appraisal report,
meeting the following criteria

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Appraisal report uses the standard GSE 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;ii. Appraisal report is reasonably complete and includes required information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Appraisal report is made "as is" or provides satisfactory evidence of completion for all material
conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify that the appraiser was appropriately licensed per FIRREA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify the following Key Points

&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. Appraisal shows no signs of appraiser independence violations

&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. The property is located within the United States

&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. The named client on the appraisal report is the lender or related entity

&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. The appraisal report discloses no current or planned condemnation

&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. The property is owned fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The property is not subject to ground leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The appraisal notes that the property is legal or legal non-conforming

&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. There are no encroachments or improvements outside of boundaries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Property is in average or better condition

**Valuation Waterfall**

Recovco will not complete the valuation waterfall.

Client expressly understands and agrees that Recovco makes no representation or warrant as to the value of the subject property. Recovco is not acting as an Appraisal Management Company and therefore it does not opine on the actual value of the subject property. Recovco is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Recovco will not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.** **Data Collection:** Recovco will compare data fields on the tape to the data found in the actual file
as captured by Recovco. All material discrepancies will be noted.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.** **Condition Clearing:** Recovco may identify certain exceptions or conditions to the mortgage loans
based on its review of the mortgage loans against the documentation and criteria set by the Client. If conditions must be cured for purchase,
the TPR will review any additional documentation to resolve or get to a terminal status.

**<u>Pool Details (Opus – 335 loans)</u>**

![](ex99-5_001.jpg)

![](ex99-5_002.jpg)

**<u>Opus Tape Discrepancies (335 loans)</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;220 | &nbsp;&nbsp;34.33% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;99.10% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.40% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.70% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;43 | &nbsp;&nbsp;87.16% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.40% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**335** |  |

---

**<u>Pool Details (Recovco – 33 loans)</u>**![](ex99-5_004.jpg)

**<u>Recovco Tape Discrepancies (33 Loans)</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;B1 Citizenship Status | &nbsp;&nbsp;7 | &nbsp;&nbsp;78.79% |
| &nbsp;&nbsp;B1 Self-Employed? | &nbsp;&nbsp;3 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;B1 SSN | &nbsp;&nbsp;6 | &nbsp;&nbsp;81.82% |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;15 | &nbsp;&nbsp;54.55% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;87.88% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Debt Service Coverage Ratio | &nbsp;&nbsp;11 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Loan Origination Source Type (S&P) | &nbsp;&nbsp;8 | &nbsp;&nbsp;75.76% |
| &nbsp;&nbsp;MI Coverage Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;1 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Property Address Street | &nbsp;&nbsp;5 | &nbsp;&nbsp;84.85% |
| &nbsp;&nbsp;Representative Score | &nbsp;&nbsp;2 | &nbsp;&nbsp;93.94% |
| &nbsp;&nbsp;**Total Loans** | &nbsp;&nbsp;**33** |  |

---

**<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;This 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;This 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** final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated January 8, 2026.

![](ex99-5_005.jpg)

The following summarizes **Recovco** final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated September 16, 2022.

**<u>Opus Loans Reviewed (335 loans)</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;500077381 | &nbsp;&nbsp;500077427 | &nbsp;&nbsp;500068008 | &nbsp;&nbsp;500068048 | &nbsp;&nbsp;500069681 |
| &nbsp;&nbsp;500059629 | &nbsp;&nbsp;500077428 | &nbsp;&nbsp;500069637 | &nbsp;&nbsp;500069658 | &nbsp;&nbsp;500069682 |
| &nbsp;&nbsp;500067327 | &nbsp;&nbsp;500069612 | &nbsp;&nbsp;500068009 | &nbsp;&nbsp;500077481 | &nbsp;&nbsp;500077504 |
| &nbsp;&nbsp;500077382 | &nbsp;&nbsp;500077430 | &nbsp;&nbsp;500068010 | &nbsp;&nbsp;500068050 | &nbsp;&nbsp;500069683 |
| &nbsp;&nbsp;500069576 | &nbsp;&nbsp;500069613 | &nbsp;&nbsp;500068011 | &nbsp;&nbsp;500068051 | &nbsp;&nbsp;500077505 |
| &nbsp;&nbsp;500069577 | &nbsp;&nbsp;500069614 | &nbsp;&nbsp;500069638 | &nbsp;&nbsp;500068052 | &nbsp;&nbsp;500068081 |
| &nbsp;&nbsp;500069578 | &nbsp;&nbsp;500077431 | &nbsp;&nbsp;500068012 | &nbsp;&nbsp;500069659 | &nbsp;&nbsp;500068082 |
| &nbsp;&nbsp;500077383 | &nbsp;&nbsp;500069615 | &nbsp;&nbsp;500069639 | &nbsp;&nbsp;500069660 | &nbsp;&nbsp;500068083 |
| &nbsp;&nbsp;500077384 | &nbsp;&nbsp;500069616 | &nbsp;&nbsp;500069640 | &nbsp;&nbsp;500077483 | &nbsp;&nbsp;500077506 |
| &nbsp;&nbsp;500077385 | &nbsp;&nbsp;500069617 | &nbsp;&nbsp;500069641 | &nbsp;&nbsp;500077484 | &nbsp;&nbsp;500068084 |
| &nbsp;&nbsp;500069579 | &nbsp;&nbsp;500077432 | &nbsp;&nbsp;500068013 | &nbsp;&nbsp;500077485 | &nbsp;&nbsp;500077507 |
| &nbsp;&nbsp;500077386 | &nbsp;&nbsp;500077749 | &nbsp;&nbsp;500069642 | &nbsp;&nbsp;500077486 | &nbsp;&nbsp;500069684 |
| &nbsp;&nbsp;500069581 | &nbsp;&nbsp;500069618 | &nbsp;&nbsp;500068015 | &nbsp;&nbsp;500068053 | &nbsp;&nbsp;500069685 |
| &nbsp;&nbsp;500069582 | &nbsp;&nbsp;500077434 | &nbsp;&nbsp;500068017 | &nbsp;&nbsp;500069661 | &nbsp;&nbsp;500068085 |
| &nbsp;&nbsp;500069583 | &nbsp;&nbsp;500077753 | &nbsp;&nbsp;500077456 | &nbsp;&nbsp;500068054 | &nbsp;&nbsp;500069686 |
| &nbsp;&nbsp;500077387 | &nbsp;&nbsp;500077435 | &nbsp;&nbsp;500068018 | &nbsp;&nbsp;500068056 | &nbsp;&nbsp;500068086 |
| &nbsp;&nbsp;500069585 | &nbsp;&nbsp;500077755 | &nbsp;&nbsp;500068019 | &nbsp;&nbsp;500069662 | &nbsp;&nbsp;500077508 |
| &nbsp;&nbsp;500069586 | &nbsp;&nbsp;500077756 | &nbsp;&nbsp;500077458 | &nbsp;&nbsp;500069663 | &nbsp;&nbsp;500068087 |
| &nbsp;&nbsp;500069587 | &nbsp;&nbsp;500069621 | &nbsp;&nbsp;500068020 | &nbsp;&nbsp;500068057 | &nbsp;&nbsp;500068088 |
| &nbsp;&nbsp;500077388 | &nbsp;&nbsp;500069622 | &nbsp;&nbsp;500056960 | &nbsp;&nbsp;500077488 | &nbsp;&nbsp;500068089 |
| &nbsp;&nbsp;500069588 | &nbsp;&nbsp;500069623 | &nbsp;&nbsp;500069643 | &nbsp;&nbsp;500068058 | &nbsp;&nbsp;500069688 |
| &nbsp;&nbsp;500069589 | &nbsp;&nbsp;500077437 | &nbsp;&nbsp;500077779 | &nbsp;&nbsp;500069664 | &nbsp;&nbsp;500069689 |
| &nbsp;&nbsp;500069591 | &nbsp;&nbsp;500077438 | &nbsp;&nbsp;500077460 | &nbsp;&nbsp;500068059 | &nbsp;&nbsp;500068090 |
| &nbsp;&nbsp;500077391 | &nbsp;&nbsp;500077439 | &nbsp;&nbsp;500077461 | &nbsp;&nbsp;500069665 | &nbsp;&nbsp;500077509 |
| &nbsp;&nbsp;500069593 | &nbsp;&nbsp;500069624 | &nbsp;&nbsp;500068024 | &nbsp;&nbsp;500068060 | &nbsp;&nbsp;500077510 |
| &nbsp;&nbsp;500077392 | &nbsp;&nbsp;500077440 | &nbsp;&nbsp;500069645 | &nbsp;&nbsp;500077816 | &nbsp;&nbsp;500077511 |
| &nbsp;&nbsp;500077393 | &nbsp;&nbsp;500069627 | &nbsp;&nbsp;500068026 | &nbsp;&nbsp;500077817 | &nbsp;&nbsp;500077512 |
| &nbsp;&nbsp;500069594 | &nbsp;&nbsp;500077441 | &nbsp;&nbsp;500068027 | &nbsp;&nbsp;500069666 | &nbsp;&nbsp;500068091 |
| &nbsp;&nbsp;500069595 | &nbsp;&nbsp;500067989 | &nbsp;&nbsp;500069647 | &nbsp;&nbsp;500069667 | &nbsp;&nbsp;500069690 |
| &nbsp;&nbsp;500069596 | &nbsp;&nbsp;500077442 | &nbsp;&nbsp;500077463 | &nbsp;&nbsp;500068061 | &nbsp;&nbsp;500077513 |
| &nbsp;&nbsp;500069597 | &nbsp;&nbsp;500069629 | &nbsp;&nbsp;500068028 | &nbsp;&nbsp;500068062 | &nbsp;&nbsp;500077514 |
| &nbsp;&nbsp;500077396 | &nbsp;&nbsp;500069631 | &nbsp;&nbsp;500068029 | &nbsp;&nbsp;500069669 | &nbsp;&nbsp;500068092 |
| &nbsp;&nbsp;500077397 | &nbsp;&nbsp;500077443 | &nbsp;&nbsp;500068030 | &nbsp;&nbsp;500077489 | &nbsp;&nbsp;500069692 |
| &nbsp;&nbsp;500077398 | &nbsp;&nbsp;500077444 | &nbsp;&nbsp;500077464 | &nbsp;&nbsp;500077490 | &nbsp;&nbsp;500077515 |
| &nbsp;&nbsp;500077400 | &nbsp;&nbsp;500067991 | &nbsp;&nbsp;500068032 | &nbsp;&nbsp;500077491 | &nbsp;&nbsp;500077838 |
| &nbsp;&nbsp;500077401 | &nbsp;&nbsp;500069632 | &nbsp;&nbsp;500077466 | &nbsp;&nbsp;500069671 | &nbsp;&nbsp;500077840 |
| &nbsp;&nbsp;500077402 | &nbsp;&nbsp;500067992 | &nbsp;&nbsp;500069648 | &nbsp;&nbsp;500068064 | &nbsp;&nbsp;500068093 |
| &nbsp;&nbsp;500077403 | &nbsp;&nbsp;500077445 | &nbsp;&nbsp;500068033 | &nbsp;&nbsp;500077493 | &nbsp;&nbsp;500069694 |
| &nbsp;&nbsp;500077404 | &nbsp;&nbsp;500077446 | &nbsp;&nbsp;500068034 | &nbsp;&nbsp;500068066 | &nbsp;&nbsp;500077844 |
| &nbsp;&nbsp;500077405 | &nbsp;&nbsp;500077447 | &nbsp;&nbsp;500068035 | &nbsp;&nbsp;500077494 | &nbsp;&nbsp;500068095 |
| &nbsp;&nbsp;500077407 | &nbsp;&nbsp;500067993 | &nbsp;&nbsp;500069649 | &nbsp;&nbsp;500068067 | &nbsp;&nbsp;500068096 |
| &nbsp;&nbsp;500077408 | &nbsp;&nbsp;500067994 | &nbsp;&nbsp;500077467 | &nbsp;&nbsp;500068068 | &nbsp;&nbsp;500068097 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;500077409 | &nbsp;&nbsp;500077448 | &nbsp;&nbsp;500077468 | &nbsp;&nbsp;500068069 | &nbsp;&nbsp;500068098 |
| &nbsp;&nbsp;500077411 | &nbsp;&nbsp;500077449 | &nbsp;&nbsp;500068036 | &nbsp;&nbsp;500069672 | &nbsp;&nbsp;500068099 |
| &nbsp;&nbsp;500077412 | &nbsp;&nbsp;500067995 | &nbsp;&nbsp;500068037 | &nbsp;&nbsp;500068070 | &nbsp;&nbsp;500068100 |
| &nbsp;&nbsp;500077413 | &nbsp;&nbsp;500077450 | &nbsp;&nbsp;500077469 | &nbsp;&nbsp;500069673 | &nbsp;&nbsp;500068102 |
| &nbsp;&nbsp;500077414 | &nbsp;&nbsp;500077451 | &nbsp;&nbsp;500068038 | &nbsp;&nbsp;500069674 | &nbsp;&nbsp;500069696 |
| &nbsp;&nbsp;500077415 | &nbsp;&nbsp;500077452 | &nbsp;&nbsp;500077470 | &nbsp;&nbsp;500069675 | &nbsp;&nbsp;500068103 |
| &nbsp;&nbsp;500069600 | &nbsp;&nbsp;500067996 | &nbsp;&nbsp;500077471 | &nbsp;&nbsp;500069676 | &nbsp;&nbsp;500068104 |
| &nbsp;&nbsp;500069601 | &nbsp;&nbsp;500067997 | &nbsp;&nbsp;500068039 | &nbsp;&nbsp;500069677 | &nbsp;&nbsp;500069699 |
| &nbsp;&nbsp;500069602 | &nbsp;&nbsp;500059434 | &nbsp;&nbsp;500069650 | &nbsp;&nbsp;500077498 | &nbsp;&nbsp;500068105 |
| &nbsp;&nbsp;500077416 | &nbsp;&nbsp;500077453 | &nbsp;&nbsp;500068040 | &nbsp;&nbsp;500069678 | &nbsp;&nbsp;500069700 |
| &nbsp;&nbsp;500069604 | &nbsp;&nbsp;500067998 | &nbsp;&nbsp;500069651 | &nbsp;&nbsp;500077499 | &nbsp;&nbsp;500069701 |
| &nbsp;&nbsp;500077418 | &nbsp;&nbsp;500077454 | &nbsp;&nbsp;500068041 | &nbsp;&nbsp;500068073 | &nbsp;&nbsp;500069703 |
| &nbsp;&nbsp;500069606 | &nbsp;&nbsp;500069633 | &nbsp;&nbsp;500069652 | &nbsp;&nbsp;500068074 | &nbsp;&nbsp;500077518 |
| &nbsp;&nbsp;500077420 | &nbsp;&nbsp;500067999 | &nbsp;&nbsp;500077474 | &nbsp;&nbsp;500077829 | &nbsp;&nbsp;500069704 |
| &nbsp;&nbsp;500069607 | &nbsp;&nbsp;500068000 | &nbsp;&nbsp;500077475 | &nbsp;&nbsp;500077500 | &nbsp;&nbsp;500069705 |
| &nbsp;&nbsp;500069608 | &nbsp;&nbsp;500069634 | &nbsp;&nbsp;500068042 | &nbsp;&nbsp;500077501 | &nbsp;&nbsp;500069706 |
| &nbsp;&nbsp;500077422 | &nbsp;&nbsp;500069635 | &nbsp;&nbsp;500068043 | &nbsp;&nbsp;500068076 | &nbsp;&nbsp;500059495 |
| &nbsp;&nbsp;500069609 | &nbsp;&nbsp;500077771 | &nbsp;&nbsp;500068044 | &nbsp;&nbsp;500077502 | &nbsp;&nbsp;500069708 |
| &nbsp;&nbsp;500069610 | &nbsp;&nbsp;500068002 | &nbsp;&nbsp;500069654 | &nbsp;&nbsp;500069679 | &nbsp;&nbsp;500068106 |
| &nbsp;&nbsp;500069611 | &nbsp;&nbsp;500077772 | &nbsp;&nbsp;500077478 | &nbsp;&nbsp;500077503 | &nbsp;&nbsp;500068107 |
| &nbsp;&nbsp;500077740 | &nbsp;&nbsp;500068003 | &nbsp;&nbsp;500069655 | &nbsp;&nbsp;500068077 | &nbsp;&nbsp;500068108 |
| &nbsp;&nbsp;500077424 | &nbsp;&nbsp;500068004 | &nbsp;&nbsp;500068045 | &nbsp;&nbsp;500068078 | &nbsp;&nbsp;500069710 |
| &nbsp;&nbsp;500077425 | &nbsp;&nbsp;500068005 | &nbsp;&nbsp;500068046 | &nbsp;&nbsp;500068079 | &nbsp;&nbsp;500077857 |
| &nbsp;&nbsp;500077744 | &nbsp;&nbsp;500068006 | &nbsp;&nbsp;500068047 | &nbsp;&nbsp;500068080 | &nbsp;&nbsp;500068109 |
| &nbsp;&nbsp;500077426 | &nbsp;&nbsp;500069636 | &nbsp;&nbsp;500077480 | &nbsp;&nbsp;500069680 | &nbsp;&nbsp;500068110 |

---

**<u>Recovco Loans Reviewed (33 loans)</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;500082843 | &nbsp;&nbsp;500082832 | &nbsp;&nbsp;500082847 |
| &nbsp;&nbsp;500082842 | &nbsp;&nbsp;500082851 | &nbsp;&nbsp;500082859 |
| &nbsp;&nbsp;500082854 | &nbsp;&nbsp;500082850 | &nbsp;&nbsp;500082858 |
| &nbsp;&nbsp;500082853 | &nbsp;&nbsp;500082852 | &nbsp;&nbsp;500082846 |
| &nbsp;&nbsp;500082841 | &nbsp;&nbsp;500082829 | &nbsp;&nbsp;500082825 |
| &nbsp;&nbsp;500082827 | &nbsp;&nbsp;500082828 | &nbsp;&nbsp;500082833 |
| &nbsp;&nbsp;500082845 | &nbsp;&nbsp;500082826 | &nbsp;&nbsp;500082831 |
| &nbsp;&nbsp;500082830 | &nbsp;&nbsp;500082857 | &nbsp;&nbsp;500082839 |
| &nbsp;&nbsp;500082844 | &nbsp;&nbsp;500082856 | &nbsp;&nbsp;500082836 |
| &nbsp;&nbsp;500082849 | &nbsp;&nbsp;500082835 | &nbsp;&nbsp;500082838 |
| &nbsp;&nbsp;500082848 | &nbsp;&nbsp;500082837 | &nbsp;&nbsp;500082834 |

---

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

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 900000007 | XX |  |  | XX | XX |  | 0 | XX | 05-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-XX-2025 |
| 900000008 | XX |  |  | XX | XX | XX | 0 | XX | 05-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 900000009 | XX |  |  | XX | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | .0500 | 1073 Individual Condo Report |  |  |  |  | XX | XX | .0500 | 06-XX-2025 | 1073 Individual Condo Report |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-XX-2025 |
| 900000011 | XX |  |  | XX | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.64 | 70.64 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 08-XX-2025 |
| 900000014 | XX |  |  | XX | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-XX-2025 |
| 900000017 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | 07-XX-2025 |
| 900000018 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 23.03 | 23.03 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 900000020 | XX |  |  | XX | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | XX | -.0816 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0816 | XX | Moderate Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000022 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000030 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 900000032 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-XX-2025 |
| 900000035 | XX |  |  | XX | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | XX | 68.68 | 68.68 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-XX-2025 |
| 900000037 | XX |  |  | XX | XX |  | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 66.5 | 66.5 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 07-XX-2025 |
| 900000038 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 57.14 | 57.14 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 07-XX-2025 |
| 900000039 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 65.36 | 65.36 | XX | XX | -.0244 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0244 | XX | Moderate Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 900000043 | XX |  |  | XX | XX |  | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 35.89 | 35.89 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-XX-2025 |
| 900000044 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 73.53 | 73.53 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 999 | 07-XX-2025 |
| 900000048 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000051 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 08-XX-2025 |
| 900000052 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 66.6 | 66.6 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-XX-2025 |
| 900000055 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 900000056 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.0141 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0141 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 900000062 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 Eligible |  |  |
| 900000065 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000066 | XX |  |  | XX | XX |  | 0 | XX | 07-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 32.35 | 32.35 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000068 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 27.56 | 27.56 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-XX-2025 |
| 900000075 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000077 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000080 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 08-XX-2025 |
| 900000085 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 69.78 | 69.78 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000090 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-XX-2025 Eligible |  |  |
| 900000095 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 08-XX-2025 |
| 900000096 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000097 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 08-XX-2025 |
| 900000098 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000101 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000102 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 65.2 | 65.2 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000104 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000105 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000106 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000109 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-XX-2025 |  |  |
| 900000112 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000113 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 58.99 | 58.99 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-XX-2025 |
| 900000115 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-XX-2025 Eligible |  |  |
| 900000120 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000121 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000125 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 64.91 | 64.91 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000130 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 61.62 | 61.62 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 09-XX-2025 |
| 900000132 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0159 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0159 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000134 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000137 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000138 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000141 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000145 | XX |  |  | XX | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 47.49 | 47.49 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 09-XX-2025 |
| 900000148 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 08-XX-2025 |
| 900000149 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 Eligible |  |  |
| 900000153 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 78.51 | 78.51 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000155 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-XX-2025 |
| 900000164 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000165 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 69.23 | 69.23 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000169 | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.5 | 74.5 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000170 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0056 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0056 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 08-XX-2025 |
| 900000173 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |  |  |
| 900000181 | XX |  |  | XX | XX |  | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 57.8 | 57.8 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | 07-XX-2025 |
| 900000183 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000187 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000197 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-XX-2025 |
| 900000200 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000201 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000202 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 59.5 | 59.5 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000206 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 09-XX-2025 |
| 900000207 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000208 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 09-XX-2025 |
| 900000210 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-XX-2025 |
| 900000211 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000215 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000219 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 Eligible |  |  |
| 900000224 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000232 | XX |  |  | XX | XX | 0 | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000239 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 Eligible |  |  |
| 900000245 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000247 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000264 | XX |  |  | XX | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.0333 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0333 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 09-XX-2025 |
| 900000265 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000272 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 Eligible |  |  |
| 900000273 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XX | XX | .0054 | 07-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 07-XX-2020 |
| 900000275 | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000276 | XX |  |  | XX | XX |  | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 07-XX-2025 |
| 900000279 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000282 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 Eligible |  |  |
| 900000284 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 68.44 | 68.44 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 08-XX-2025 |
| 900000285 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-XX-2025 |  |  |
| 900000295 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000298 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 54.94 | 54.94 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 Eligible |  |  |
| 900000307 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000312 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000313 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 55.0 | 55.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 08-XX-2025 |
| 900000317 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0359 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0359 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-XX-2025 |
| 900000320 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000321 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000324 | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 35.0 | 35.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000328 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 73.68 | 73.68 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000329 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 81.72 | 81.72 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000330 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 900000331 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000333 | XX |  |  | XX | XX |  | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | .0870 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | .0870 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000337 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000338 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 900000349 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | .0057 | Loan Collateral Advisor (LCA) |  |  |  |  | XX | XX | .0057 | 08-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-XX-2025 Eligible |  |  |
| 900000351 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000355 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000356 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000357 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0249 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0249 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000362 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000363 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 71.52 | 71.52 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000364 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-XX-2025 |
| 900000366 | XX |  |  | XX | XX | 0 | 0 | XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000368 | XX |  |  | XX | XX | XX | 0 | XX | 06-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000370 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 49.93 | 49.93 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 08-XX-2025 |
| 900000371 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 900000372 | XX |  |  | XX | XX | XX | 0 | XX | 05-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000374 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000377 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000379 | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 52.19 | 52.19 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000382 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 36.81 | 36.81 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-XX-2025 |
| 900000384 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000391 | XX |  |  | XX | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000393 | XX |  |  | XX | XX |  | 0 | XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | XX | 73.48 | 73.48 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-XX-2025 |
| 900000395 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000399 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 08-XX-2025 |
| 900000403 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 23.33 | 23.33 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-XX-2025 |
| 900000404 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000405 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 900000406 | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 71.43 | 71.43 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000407 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000410 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000411 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 900000413 | XX |  |  | XX | XX | 0 | 0 | XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | XX | 31.91 | 31.91 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000415 | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 67.92 | 67.92 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000416 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000421 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 52.38 | 52.38 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-XX-2025 |
| 900000422 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-XX-2025 |
| 900000424 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000428 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000429 | XX |  |  | XX | XX | 0 | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 69.83 | 69.83 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000430 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000433 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000435 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000438 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000439 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Removed from deal | XX |  |  | XX | XX | XX | 0 | XX | 06-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 07-XX-2025 |
| 900000446 | XX |  |  | XX | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 50.43 | 50.43 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 09-XX-2025 |
| Removed from deal | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000452 | XX |  |  | XX | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000456 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 66.67 | 66.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000463 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-XX-2025 |
| 900000466 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000470 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | XX | .0161 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | .0161 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000471 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 45.53 | 45.53 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 Eligible |  |  |
| 900000475 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-XX-2025 |
| 900000480 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000481 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000483 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 68.46 | 68.46 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000484 | XX |  |  | XX | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.87 | 74.87 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000487 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 08-XX-2025 |
| 900000492 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000493 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 56.63 | 56.63 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 08-XX-2025 |
| 900000497 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000500 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000505 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000508 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.91 | 80.91 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000509 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000523 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 07-XX-2025 |
| 900000524 | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 50.13 | 50.13 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000528 | XX |  |  | XX | XX |  | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 07-XX-2025 |
| 900000529 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-XX-2025 |
| 900000531 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000536 | XX |  |  | XX | XX | 0 | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000539 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000540 | XX |  |  | XX | XX |  | 0 | XX | 07-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 61.29 | 61.29 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000542 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000543 | XX |  |  | XX | XX | 0 | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.0909 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0909 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000546 | XX |  |  | XX | XX |  | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000547 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 900000549 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000550 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 70.69 | 70.69 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000551 | XX |  |  | XX | XX | 0 | 0 | XX | 07-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000553 | XX |  |  | XX | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.24 | 74.24 | XX | XX | -.0411 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0411 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-XX-2025 |
| 900000557 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 08-XX-2025 |
| 900000565 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 09-XX-2025 |
| 900000566 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 24.81 | 24.81 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000570 | XX |  |  | XX | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | XX | 86.83 | 86.83 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 900000575 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 65.2 | 65.2 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000580 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000582 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 60.28 | 60.28 | XX | XX | .0278 | 1004 URAR |  |  |  |  | XX | XX | .0278 | 08-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000584 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-XX-2025 Eligible |  |  |
| 900000586 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 61.73 | 61.73 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XX | XX | .0133 | 08-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000589 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000594 | XX |  |  | XX | XX | 0 | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 66.63 | 66.63 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000596 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000600 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000606 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 900000610 | XX |  |  | XX | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | XX | 26.67 | 26.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 06-XX-2025 |
| 900000612 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-XX-2025 |
| 900000617 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 59.34 | 59.34 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-XX-2025 |
| 900000622 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000625 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-XX-2025 |
| 900000627 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000628 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000630 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000631 | XX |  |  | XX | XX | 0 | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000632 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 08-XX-2025 |
| 900000633 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000635 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000639 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 08-XX-2025 |
| 900000649 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000652 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000654 | XX |  |  | XX | XX |  | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 26.68 | 26.68 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 07-XX-2025 |
| 900000655 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-XX-2025 |
| 900000656 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000657 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-XX-2025 |
| 900000658 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 77.27 | 77.27 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000659 | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000661 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000665 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000668 | XX |  |  | XX | XX | 0 | 0 | XX | 07-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000671 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000677 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000678 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000679 | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 72.58 | 72.58 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000684 | XX |  |  | XX | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 06-XX-2025 |
| 900000688 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 Eligible |  |  |
| 900000694 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000697 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-XX-2025 Eligible |  |  |
| 900000699 | XX |  |  | XX | XX | 0 | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 63.49 | 63.49 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000705 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000710 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 67.12 | 67.12 | XX | XX | .0596 | 1004 URAR |  |  |  |  | XX | XX | .0596 | 07-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000711 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-XX-2025 |
| 900000716 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000719 | XX |  |  | XX | XX | 0 | 0 | XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | XX | 69.31 | 69.31 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000722 | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000727 | XX |  |  | XX | XX |  | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 08-XX-2025 |
| 900000728 | XX |  |  | XX | XX | XX | 0 | XX | 06-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 06-XX-2025 |
| 900000729 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 08-XX-2025 |
| 900000730 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.98 | 75.98 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000731 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 78.31 | 78.31 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 08-XX-2025 |
| 900000732 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 900000734 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000735 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 43.48 | 43.48 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000737 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000748 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-XX-2025 Eligible |  |  |
| 900000749 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | XX | .1277 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | .1277 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000750 | XX |  |  | XX | XX |  | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 43.84 | 43.84 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-XX-2025 |
| 900000751 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 56.33 | 56.33 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000757 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 79.92 | 79.92 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 07-XX-2025 |
| 900000764 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0201 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0201 | XX | High Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000768 | XX |  |  | XX | XX | 0 | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 19.53 | 19.53 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000771 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000773 | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000775 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | XX | .0066 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | .0066 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 08-XX-2025 |
| 900000776 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000777 | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000780 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000781 | XX |  |  | XX | XX |  | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 07-XX-2025 |
| 900000783 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000789 | XX |  |  | XX | XX |  | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 59.56 | 59.56 | XX | XX | .0385 | 1004 URAR |  |  |  |  | XX | XX | .0385 | 07-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000790 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000791 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000794 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000800 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-XX-2025 |
| 900000803 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000809 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000810 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-XX-2025 |
| 900000813 | XX |  |  | XX | XX |  | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 900000816 | XX |  |  | XX | XX | 0 | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 61.91 | 61.91 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000817 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 08-XX-2025 |
| 900000819 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 58.29 | 58.29 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XX | XX | .0002 | 09-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-XX-2025 |
| 900000820 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000821 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000822 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-XX-2025 |
| 900000823 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| Removed from deal | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 77.35 | 77.35 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000827 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000829 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 89.74 | 89.74 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000833 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.0 | 09-XX-2025 Eligible |  |  |
| 900000839 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 08-XX-2025 |
| 900000844 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 89.9 | 89.9 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 900000845 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000850 | XX |  |  | XX | XX |  | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 43.17 | 43.17 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 07-XX-2025 |
| 900000851 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-XX-2025 |
| 900000853 | XX |  |  | XX | XX | 0 | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 42.53 | 42.53 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000857 | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000858 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000859 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 73.41 | 73.41 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000861 | XX |  |  | XX | XX |  | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 55.19 | 55.19 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000866 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 79.33 | 79.33 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 08-XX-2025 |
| 900000877 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000882 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000883 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000890 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 07-XX-2025 |
| 900000891 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 900000897 | XX |  |  | XX | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.19 | 65.19 | XX | XX | .0156 | Collateral Underwriter (CU) |  |  |  |  | XX | XX | .0156 | 06-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-XX-2025 |
| 900000898 | XX |  |  | XX | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 09-XX-2025 |
| 900000904 | XX |  |  | XX | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 54.0 | 54.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 09-XX-2025 |
| 900000906 | XX |  |  | XX | XX |  | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 40.0 | 40.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 07-XX-2025 |
| 900000907 | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 55.76 | 55.76 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000908 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000914 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000915 | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 64.84 | 64.84 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000922 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 39.14 | 39.14 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000923 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000925 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000926 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000927 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 999 | 07-XX-2025 |
| 900000928 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000935 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-XX-2025 |
| 900000936 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 89.15 | 89.15 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 900000937 | XX |  |  | XX | XX |  | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 69.93 | 69.93 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 900000939 | XX |  |  | XX | XX |  | 0 | XX | 05-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-XX-2025 |
| 900000942 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-XX-2025 |
| 900000946 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000950 | XX |  |  | XX | XX | XX | 0 | XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | XX | 64.71 | 64.71 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-XX-2025 |
| 900000952 | XX |  |  | XX | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000953 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 67.55 | 67.55 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 08-XX-2025 |
| 900000954 | XX |  |  | XX | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.85 | 65.85 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 08-XX-2025 |
| 900000957 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000958 | XX |  |  | XX | XX | 0 | 0 | XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000959 | XX |  |  | XX | XX | 0 | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000960 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000962 | XX |  |  | XX | XX | XX | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 |  |  | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-XX-2025 Eligible |  |  |
| 900000964 | XX |  |  | XX | XX | 0 | 0 | XX | 06-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000966 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000967 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000969 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900000971 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Marketing ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 900000007 | XX |  |  | XX A B |
| 900000008 | XX |  |  | XX A |
| 900000009 | XX |  |  | XX C A |
| 900000011 | XX |  |  | XX A B |
| 900000014 | XX |  |  | XX A |
| 900000017 | XX |  |  | XX A B |
| 900000018 | XX |  |  | XX A |
| 900000020 | XX |  |  | XX A |
| 900000022 | XX |  |  | XX A |
| 900000030 | XX |  |  | XX A |
| 900000032 | XX |  |  | XX A |
| 900000035 | XX |  |  | XX A |
| 900000037 | XX |  |  | XX A |
| 900000038 | XX |  |  | XX A |
| 900000039 | XX |  |  | XX A |
| 900000043 | XX |  |  | XX A |
| 900000044 | XX |  |  | XX A |
| 900000048 | XX |  |  | XX A |
| 900000051 | XX |  |  | XX A |
| 900000052 | XX |  |  | XX A |
| 900000055 | XX |  |  | XX A |
| 900000056 | XX |  |  | XX A |
| 900000062 | XX |  |  | XX A |
| 900000065 | XX |  |  | XX A |
| 900000066 | XX |  |  | XX A |
| 900000068 | XX |  |  | XX A |
| 900000075 | XX |  |  | XX A |
| 900000077 | XX |  |  | XX A |
| 900000080 | XX |  |  | XX A |
| 900000085 | XX |  |  | XX A |
| 900000090 | XX |  |  | XX A |
| 900000095 | XX |  |  | XX B A |
| 900000096 | XX |  |  | XX A |
| 900000097 | XX |  |  | XX A |
| 900000098 | XX |  |  | XX A |
| 900000101 | XX |  |  | XX A |
| 900000102 | XX |  |  | XX A |
| 900000104 | XX |  |  | XX A |
| 900000105 | XX |  |  | XX A |
| 900000106 | XX |  |  | XX A |
| 900000109 | XX |  |  | XX A |
| 900000112 | XX |  |  | XX A |
| 900000113 | XX |  |  | XX A |
| 900000115 | XX |  |  | XX A |
| 900000120 | XX |  |  | XX A |
| 900000121 | XX |  |  | XX A |
| 900000125 | XX |  |  | XX B A |
| 900000130 | XX |  |  | XX A |
| 900000132 | XX |  |  | XX A |
| 900000134 | XX |  |  | XX A |
| 900000137 | XX |  |  | XX D A |
| 900000138 | XX |  |  | XX A |
| 900000141 | XX |  |  | XX A |
| 900000145 | XX |  |  | XX A B |
| 900000148 | XX |  |  | XX A B |
| 900000149 | XX |  |  | XX A C |
| 900000153 | XX |  |  | XX D A |
| 900000155 | XX |  |  | XX A |
| 900000164 | XX |  |  | XX A |
| 900000165 | XX |  |  | XX A C |
| 900000169 | XX |  |  | XX A |
| 900000170 | XX |  |  | XX A |
| 900000173 | XX |  |  | XX A |
| 900000181 | XX |  |  | XX A B |
| 900000183 | XX |  |  | XX A |
| 900000187 | XX |  |  | XX A |
| 900000197 | XX |  |  | XX A |
| 900000200 | XX |  |  | XX A |
| 900000201 | XX |  |  | XX A |
| 900000202 | XX |  |  | XX A |
| 900000206 | XX |  |  | XX A |
| 900000207 | XX |  |  | XX A |
| 900000208 | XX |  |  | XX B A |
| 900000210 | XX |  |  | XX A |
| 900000211 | XX |  |  | XX D A |
| 900000215 | XX |  |  | XX A |
| 900000219 | XX |  |  | XX A |
| 900000224 | XX |  |  | XX A C |
| 900000232 | XX |  |  | XX D A |
| 900000239 | XX |  |  | XX B C A |
| 900000245 | XX |  |  | XX A |
| 900000247 | XX |  |  | XX A |
| 900000264 | XX |  |  | XX A B |
| 900000265 | XX |  |  | XX A |
| 900000272 | XX |  |  | XX A |
| 900000273 | XX |  |  | XX B A |
| 900000275 | XX |  |  | XX B A |
| 900000276 | XX |  |  | XX A B |
| 900000279 | XX |  |  | XX A C |
| 900000282 | XX |  |  | XX A |
| 900000284 | XX |  |  | XX A |
| 900000285 | XX |  |  | XX A |
| 900000295 | XX |  |  | XX B C A |
| 900000298 | XX |  |  | XX A |
| 900000307 | XX |  |  | XX A |
| 900000312 | XX |  |  | XX A |
| 900000313 | XX |  |  | XX A |
| 900000317 | XX |  |  | XX A |
| 900000320 | XX |  |  | XX A |
| 900000321 | XX |  |  | XX A |
| 900000324 | XX |  |  | XX A |
| 900000328 | XX |  |  | XX B A |
| 900000329 | XX |  |  | XX D A |
| 900000330 | XX |  |  | XX B C A |
| 900000331 | XX |  |  | XX A |
| 900000333 | XX |  |  | XX A C |
| 900000337 | XX |  |  | XX A |
| 900000338 | XX |  |  | XX A |
| 900000349 | XX |  |  | XX A |
| 900000351 | XX |  |  | XX A |
| 900000355 | XX |  |  | XX A |
| 900000356 | XX |  |  | XX A |
| 900000357 | XX |  |  | XX A |
| 900000362 | XX |  |  | XX A |
| 900000363 | XX |  |  | XX A |
| 900000364 | XX |  |  | XX D C A |
| 900000366 | XX |  |  | XX A |
| 900000368 | XX |  |  | XX D A |
| 900000370 | XX |  |  | XX C A |
| 900000371 | XX |  |  | XX A |
| 900000372 | XX |  |  | XX A |
| 900000374 | XX |  |  | XX A |
| 900000377 | XX |  |  | XX A |
| 900000379 | XX |  |  | XX A |
| 900000382 | XX |  |  | XX D C A |
| 900000384 | XX |  |  | XX A |
| 900000391 | XX |  |  | XX A |
| 900000393 | XX |  |  | XX A |
| 900000395 | XX |  |  | XX A |
| 900000399 | XX |  |  | XX A |
| 900000403 | XX |  |  | XX A |
| 900000404 | XX |  |  | XX A |
| 900000405 | XX |  |  | XX A C |
| 900000406 | XX |  |  | XX A |
| 900000407 | XX |  |  | XX A |
| 900000410 | XX |  |  | XX A |
| 900000411 | XX |  |  | XX A |
| 900000413 | XX |  |  | XX A |
| 900000415 | XX |  |  | XX A |
| 900000416 | XX |  |  | XX D A |
| 900000421 | XX |  |  | XX A |
| 900000422 | XX |  |  | XX D C A |
| 900000424 | XX |  |  | XX A |
| 900000428 | XX |  |  | XX A |
| 900000429 | XX |  |  | XX A |
| 900000430 | XX |  |  | XX A |
| 900000433 | XX |  |  | XX A |
| 900000435 | XX |  |  | XX A |
| 900000438 | XX |  |  | XX A |
| 900000439 | XX |  |  | XX A |
| Removed from deal | XX |  |  | XX A B |
| 900000446 | XX |  |  | XX A |
| Removed from deal | XX |  |  | XX A |
| 900000452 | XX |  |  | XX D A |
| 900000456 | XX |  |  | XX D A |
| 900000463 | XX |  |  | XX A |
| 900000466 | XX |  |  | XX A |
| 900000470 | XX |  |  | XX A |
| 900000471 | XX |  |  | XX A |
| 900000475 | XX |  |  | XX B A |
| 900000480 | XX |  |  | XX A |
| 900000481 | XX |  |  | XX A |
| 900000483 | XX |  |  | XX A |
| 900000484 | XX |  |  | XX A |
| 900000487 | XX |  |  | XX A B |
| 900000492 | XX |  |  | XX A |
| 900000493 | XX |  |  | XX A |
| 900000497 | XX |  |  | XX A |
| 900000500 | XX |  |  | XX A |
| 900000505 | XX |  |  | XX A |
| 900000508 | XX |  |  | XX A |
| 900000509 | XX |  |  | XX A |
| 900000523 | XX |  |  | XX A |
| 900000524 | XX |  |  | XX A |
| 900000528 | XX |  |  | XX A |
| 900000529 | XX |  |  | XX A C |
| 900000531 | XX |  |  | XX B A |
| 900000536 | XX |  |  | XX A |
| 900000539 | XX |  |  | XX A |
| 900000540 | XX |  |  | XX A C |
| 900000542 | XX |  |  | XX A |
| 900000543 | XX |  |  | XX A |
| 900000546 | XX |  |  | XX C A B |
| 900000547 | XX |  |  | XX A |
| 900000549 | XX |  |  | XX A |
| 900000550 | XX |  |  | XX A |
| 900000551 | XX |  |  | XX A |
| 900000553 | XX |  |  | XX A C |
| 900000557 | XX |  |  | XX A B |
| 900000565 | XX |  |  | XX B A |
| 900000566 | XX |  |  | XX A |
| 900000570 | XX |  |  | XX A |
| 900000575 | XX |  |  | XX A |
| 900000580 | XX |  |  | XX B A |
| 900000582 | XX |  |  | XX A |
| 900000584 | XX |  |  | XX D C A B |
| 900000586 | XX |  |  | XX A |
| 900000589 | XX |  |  | XX A |
| 900000594 | XX |  |  | XX A |
| 900000596 | XX |  |  | XX A |
| 900000600 | XX |  |  | XX A |
| 900000606 | XX |  |  | XX A C |
| 900000610 | XX |  |  | XX D C A |
| 900000612 | XX |  |  | XX A |
| 900000617 | XX |  |  | XX A |
| 900000622 | XX |  |  | XX A |
| 900000625 | XX |  |  | XX A |
| 900000627 | XX |  |  | XX D A |
| 900000628 | XX |  |  | XX A |
| 900000630 | XX |  |  | XX A |
| 900000631 | XX |  |  | XX A |
| 900000632 | XX |  |  | XX A |
| 900000633 | XX |  |  | XX B A |
| 900000635 | XX |  |  | XX A |
| 900000639 | XX |  |  | XX D A B |
| 900000649 | XX |  |  | XX D A |
| 900000652 | XX |  |  | XX A |
| 900000654 | XX |  |  | XX A |
| 900000655 | XX |  |  | XX A |
| 900000656 | XX |  |  | XX A |
| 900000657 | XX |  |  | XX A |
| 900000658 | XX |  |  | XX A |
| 900000659 | XX |  |  | XX A |
| 900000661 | XX |  |  | XX A |
| 900000665 | XX |  |  | XX A |
| 900000668 | XX |  |  | XX A |
| 900000671 | XX |  |  | XX A |
| 900000677 | XX |  |  | XX A |
| 900000678 | XX |  |  | XX A C |
| 900000679 | XX |  |  | XX A |
| 900000684 | XX |  |  | XX A C |
| 900000688 | XX |  |  | XX A |
| 900000694 | XX |  |  | XX A |
| 900000697 | XX |  |  | XX A |
| 900000699 | XX |  |  | XX A |
| 900000705 | XX |  |  | XX D A |
| 900000710 | XX |  |  | XX A |
| 900000711 | XX |  |  | XX A C |
| 900000716 | XX |  |  | XX A |
| 900000719 | XX |  |  | XX A |
| 900000722 | XX |  |  | XX B A |
| 900000727 | XX |  |  | XX A |
| 900000728 | XX |  |  | XX A C |
| 900000729 | XX |  |  | XX A C B |
| 900000730 | XX |  |  | XX A |
| 900000731 | XX |  |  | XX A |
| 900000732 | XX |  |  | XX A |
| 900000734 | XX |  |  | XX A |
| 900000735 | XX |  |  | XX D A |
| 900000737 | XX |  |  | XX A |
| 900000748 | XX |  |  | XX A |
| 900000749 | XX |  |  | XX A |
| 900000750 | XX |  |  | XX A |
| 900000751 | XX |  |  | XX A |
| 900000757 | XX |  |  | XX A |
| 900000764 | XX |  |  | XX C A |
| 900000768 | XX |  |  | XX C A |
| 900000771 | XX |  |  | XX A |
| 900000773 | XX |  |  | XX A |
| 900000775 | XX |  |  | XX A B |
| 900000776 | XX |  |  | XX A |
| 900000777 | XX |  |  | XX A |
| 900000780 | XX |  |  | XX A |
| 900000781 | XX |  |  | XX A C |
| 900000783 | XX |  |  | XX A |
| 900000789 | XX |  |  | XX A |
| 900000790 | XX |  |  | XX A |
| 900000791 | XX |  |  | XX A |
| 900000794 | XX |  |  | XX A |
| 900000800 | XX |  |  | XX A |
| 900000803 | XX |  |  | XX A |
| 900000809 | XX |  |  | XX A |
| 900000810 | XX |  |  | XX A |
| 900000813 | XX |  |  | XX A |
| 900000816 | XX |  |  | XX A |
| 900000817 | XX |  |  | XX A B |
| 900000819 | XX |  |  | XX A |
| 900000820 | XX |  |  | XX A |
| 900000821 | XX |  |  | XX A |
| 900000822 | XX |  |  | XX A |
| 900000823 | XX |  |  | XX A |
| Removed from deal | XX |  |  | XX A C |
| 900000827 | XX |  |  | XX D A |
| 900000829 | XX |  |  | XX A |
| 900000833 | XX |  |  | XX A |
| 900000839 | XX |  |  | XX A B |
| 900000844 | XX |  |  | XX A |
| 900000845 | XX |  |  | XX A |
| 900000850 | XX |  |  | XX B A |
| 900000851 | XX |  |  | XX A |
| 900000853 | XX |  |  | XX A |
| 900000857 | XX |  |  | XX A |
| 900000858 | XX |  |  | XX A |
| 900000859 | XX |  |  | XX D C A |
| 900000861 | XX |  |  | XX A C |
| 900000866 | XX |  |  | XX A B |
| 900000877 | XX |  |  | XX A C |
| 900000882 | XX |  |  | XX A |
| 900000883 | XX |  |  | XX A |
| 900000890 | XX |  |  | XX A C |
| 900000891 | XX |  |  | XX A |
| 900000897 | XX |  |  | XX B A |
| 900000898 | XX |  |  | XX A |
| 900000904 | XX |  |  | XX B A |
| 900000906 | XX |  |  | XX A |
| 900000907 | XX |  |  | XX A |
| 900000908 | XX |  |  | XX A |
| 900000914 | XX |  |  | XX A |
| 900000915 | XX |  |  | XX A |
| 900000922 | XX |  |  | XX A |
| 900000923 | XX |  |  | XX A |
| 900000925 | XX |  |  | XX D A |
| 900000926 | XX |  |  | XX A |
| 900000927 | XX |  |  | XX A |
| 900000928 | XX |  |  | XX A |
| 900000935 | XX |  |  | XX A |
| 900000936 | XX |  |  | XX A |
| 900000937 | XX |  |  | XX A |
| 900000939 | XX |  |  | XX A |
| 900000942 | XX |  |  | XX A |
| 900000946 | XX |  |  | XX A |
| 900000950 | XX |  |  | XX A B |
| 900000952 | XX |  |  | XX A |
| 900000953 | XX |  |  | XX A |
| 900000954 | XX |  |  | XX A B |
| 900000957 | XX |  |  | XX A |
| 900000958 | XX |  |  | XX D A |
| 900000959 | XX |  |  | XX A |
| 900000960 | XX |  |  | XX A |
| 900000962 | XX |  |  | XX A |
| 900000964 | XX |  |  | XX A |
| 900000966 | XX |  |  | XX A |
| 900000967 | XX |  |  | XX A |
| 900000969 | XX |  |  | XX D A |
| 900000971 | XX |  |  | XX A |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 900000014 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3059.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37500 |  |  |  |  |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 6.94 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000020 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1550 | Appraisal - 1007 |  |  |  |  | 1550 | Appraisal - 1007 | No | 98.65 | 1.014 | 1.014 | 1529.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 44600 |  |  |  | 1550 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 38.17 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000032 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1375 | Appraisal - 1007 |  |  |  |  | 1375 | Appraisal - 1007 | No | 93.13 | 1 | 1.074 | 1280.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31800 |  |  |  | 1375 |  |  |  |  |  |  |  | No | 16.2 | 1 | 1 | N/A | 123.84 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000038 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6000 | Appraisal - 1007 |  |  |  |  | 6000 | Appraisal - 1007 | No | 125.26 | 0.798 | 0.798 | 7515.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 8400 |  |  |  | 6000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 35.96 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000043 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3234.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 69900 |  |  |  |  |  |  |  |  |  |  |  | No | 2 | 1 | 1 | N/A | 46.81 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000048 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  |  |  |  | 3000 | Appraisal - 1007 | No | 104.02 | 1.02 | 0.961 | 3120.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2172192 |  |  |  | 3000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 163.13 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000052 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4039.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18750 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.73 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000055 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1885.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 38.42 | No |  |  |  | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000075 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1795 | 1725 | Appraisal - 1007 |  |  |  |  | 1725 | Appraisal - 1007 | No | 74.81 | 1.337 | 1.337 | 1290.43 | 1795 | 05-31-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22140 |  |  |  | 1725 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 202.94 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000077 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1895 | 1850 | Appraisal - 1007 |  |  |  |  | 1850 | Appraisal - 1007 | No | 76.29 | 1.34 | 1.311 | 1411.3 | 1895 | 03-31-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32400 |  |  |  | 1850 |  |  |  |  |  |  | No | No | 0 | 1 | 1 |  | 1741.21 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000080 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 8011.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 41.99 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000085 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6300 | Appraisal - 1007 |  |  |  |  | 6300 | Appraisal - 1007 | No | 141.37 | 0.707 | 0.707 | 8906.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 53800 |  |  |  | 6300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 21.43 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000096 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1649.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.1 | 1 | 1 | N/A | 73.51 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000097 | XX |  |  | XX | XXXX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 10265.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 182.96 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000098 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3962.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12500 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.23 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000101 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1650 | Appraisal - 1007 |  |  |  |  | 1650 | Appraisal - 1007 | No | 98.24 | 1.01 | 1.018 | 1620.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19800 |  |  |  | 1650 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.6 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000102 | XX |  |  | XX | XXXX | Full Doc | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3435.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 158.05 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000112 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Appraisal - 1007 | No | 105.64 | 0.9 | 0.947 | 1901.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4000 |  |  |  | 1800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 460.29 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000120 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2700 | Appraisal - 1007 |  |  |  |  | 2700 | Appraisal - 1007 | No | 100 | 1 | 1 | 2700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32400 |  |  |  | 2700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.52 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000132 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3450 | Appraisal - 1025 |  |  |  |  | 3450 | Appraisal - 1025 | No | 66.87 | 1.38 | 1.496 | 2306.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 72700 |  |  |  | 3450 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 37.3 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000137 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 12500 | Appraisal - 1025 |  |  |  |  | 12500 | Appraisal - 1025 | No | 99.35 | 1 | 1.007 | 12419.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 135300 |  |  |  | 12500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.42 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000138 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1025 |  |  |  |  | 2100 | Appraisal - 1025 | No | 65.27 | 1.53 | 1.532 | 1370.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34000 |  |  |  | 2100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 36.94 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 900000141 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1950 | Appraisal - 1007 |  |  |  |  | 1950 | Appraisal - 1007 | No | 92.2 | 1.08 | 1.085 | 1797.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21574.44 |  |  |  | 1950 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 28.63 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000153 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3360 | 6720 | Appraisal - 1025 |  |  |  |  | 6720 | Appraisal - 1025 | No | 90.52 | 1.13 | 1.105 | 6083.19 | 0 | 09-09-2025 | 0 | 0 | 09-09-2025 | 0 | 1680 | 04-30-2026 | 12 | 1680 | 05-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 71079.96 |  |  |  | 6720 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 8.1 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000164 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4200 | Appraisal - 1025 |  |  |  |  | 4200 | Appraisal - 1025 | No | 76.92 | 1.3 | 1.3 | 3230.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25200 |  |  |  | 4200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 26.63 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000169 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1295 | 1150 | Appraisal - 1007 |  |  |  |  | 1150 | Appraisal - 1007 | No | 79.65 | 1.25 | 1.255 | 916.03 | 1295 | 08-02-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19800 |  |  |  | 1150 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 118.09 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000170 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5575 | Appraisal - 1007 |  | N/A |  |  | 5575 | Appraisal - 1007 | No | 97.2 | 1.029 | 1.029 | 5419.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 48000 |  |  |  | 5575 |  |  |  |  |  |  |  | No | 0.1 | 1 | 1 | N/A | 33.55 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 900000183 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5250 | Appraisal - 1025 |  |  |  |  | 5250 | Appraisal - 1025 | No | 91.68 | 1.08 | 1.091 | 4813.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 58202.52 |  |  |  | 5250 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.74 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000197 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3404.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 36.46 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000200 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4850 | 5000 | Appraisal - 1025 |  |  |  |  | 4850 | Actual In Place Rent | No | 78 | 1.3 | 1.282 | 3782.82 | 2300 | 03-31-2026 | 12 | 2550 | 09-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60000 |  |  |  | 4850 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 95.25 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000201 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Short Term Rental | 2525 | XX | 12 | 80.00% | 2525 | XX | Yes | 78.12 | 1.27 | 1.28 | 1972.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 68600 |  |  |  | 2525 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.67 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000206 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2625.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 57.9 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000207 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 13000 | Short Term Rental | 10041.66 | XX | 1 | 51.00% | 10041.66 | XX | Yes | 37.17 | 2.32 | 2.69 | 3732.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 150000 |  |  |  | 10041.66 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 82.86 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 900000211 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2700 | Short Term Rental | 10258.33 | XX | 12 | 51.00% | 10258.33 | XX | Yes | 50.69 | 1.97 | 1.973 | 5199.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 62395.56 |  |  |  | 10258.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 31.51 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 900000232 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1575 | 1650 | Appraisal - 1007 |  |  |  |  | 1575 | Actual In Place Rent | No | 83.32 | 1.19 | 1.2 | 1312.36 | 1575 | 10-31-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15748.32 |  |  |  | 1575 |  |  |  |  |  |  | No | No | 19.2 | 1 | 1 | N/A | 110.14 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000245 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1025 |  |  |  |  | 1600 | Appraisal - 1025 | No | 68.2 | 1.51 | 1.466 | 1091.13 |  |  | 1 |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45600 |  |  |  | 1600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 37.16 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000247 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1925 | Appraisal - 1007 |  |  |  |  | 1925 | Appraisal - 1007 | No | 95.37 | 1.04 | 1.049 | 1835.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23900 |  |  |  | 1925 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 78.66 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Vacant |
| 900000275 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 870 | 1395 | Appraisal - 1007 |  |  |  |  | 870 | Actual In Place Rent | No | 118.74 | 0.842 | 0.842 | 1033.03 | 870 | 10-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10440 |  |  |  | 870 |  |  |  |  |  |  | No | No | 23.2 | 1 | 1 | N/A | 87.36 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000312 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 8150 | XX | 12 | 71.00% | 8150 | XX | Yes | 54.85 | 1.82 | 1.823 | 4470.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  | 8150 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 96.79 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000317 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6326.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 61.15 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | N/A |  | Owner |
| 900000320 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 3041.67 | XX | 12 | 59.00% | 3041.67 | XX | Yes | 77.67 | 1.28 | 1.288 | 2362.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2000 |  |  |  | 3041.67 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.61 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 900000321 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1497.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 19.96 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000324 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2195 | 3300 | Appraisal - 1007 |  |  |  |  | 2195 | Actual In Place Rent | No | 102.31 | 0.97 | 0.977 | 2245.71 | 2195 | 10-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 52900 |  |  |  | 2195 |  |  |  |  |  |  | No | No | 14.6 | 1 | 1 | N/A | 87.88 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000329 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4000 | 4000 | Appraisal - 1025 |  |  |  |  | 4000 | Actual In Place Rent | No | 82.73 | 1.12 | 1.209 | 3309.09 | 2000 | 03-31-2026 | 12 | 2000 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40700 |  |  |  | 4000 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 16.08 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 900000331 | XX |  |  | XX | XXXX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1208.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 8520 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 27.12 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000337 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1650 | Appraisal - 1007 |  |  |  |  | 1650 | Appraisal - 1007 | No | 93.96 | 1.064 | 1.064 | 1550.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20700 |  |  |  | 1650 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 125.1 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000351 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1300 | Appraisal - 1007 |  |  |  |  | 1300 | Appraisal - 1007 | No | 104.53 | 0.95 | 0.957 | 1358.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22000 |  |  |  | 1300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.6 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000356 | XX |  |  | XX | XXXX | Full Doc | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2752.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.41 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000357 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1650 | N/A | 2966.66 | XX | 12 |  | 2966.66 | XX | Yes | 79.88 | 1.25 | 1.252 | 2369.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 8000 |  |  |  | 2966.66 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 48.3 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000362 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  |  |  |  | 1750 | Appraisal - 1007 | No | 114.34 | 0.87 | 0.875 | 2000.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10500 |  |  |  | 1750 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.18 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000366 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3000 | 3350 | Appraisal - 1007 |  |  |  |  | 3000 | Actual In Place Rent | No | 99.75 | 1 | 1.003 | 2992.45 | 3000 | 12-01-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 118658 |  |  |  | 3000 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 11.64 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000368 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4050 | Appraisal - 1025 |  | N/A |  |  | 4050 | Appraisal - 1025 | No | 98.48 | 1.015 | 1.015 | 3988.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31000 |  |  |  | 4050 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 13.84 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000372 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5950 | Appraisal - 1007 | 2966.67 | XX | 12 | 50.00% | 5950 | Appraisal - 1007 | No | 77.51 | 1.29 | 1.29 | 4611.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35700 |  |  |  | 5950 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.14 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000377 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2150 | Appraisal - 1007 |  |  |  |  | 2150 | Appraisal - 1007 | No | 89.64 | 1.11 | 1.116 | 1927.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5400 |  |  |  | 2150 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 107.78 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000379 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2200 | 2125 | Appraisal - 1025 |  |  |  |  | 2125 | Appraisal - 1025 | No | 77.89 | 1.26 | 1.284 | 1655.19 | 1110 | 05-31-2026 | 12 | 1090 | 11-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14000 |  | 0 |  | 2125 |  |  |  |  |  |  | No | No | 1.2 | 2 | 1 | N/A | 41.63 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000384 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1788.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 43.15 | No |  |  | Vested Individual | XX | XX |  | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000391 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1850 | 1840 | Appraisal - 1007 |  |  |  |  | 1840 | Appraisal - 1007 | No | 71.35 | 1.4 | 1.402 | 1312.82 | 1850 | 03-31-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22200 |  |  |  | 1840 |  |  |  |  |  |  | No | No | 6.6 | 1 | 1 | N/A | 46 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000395 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2251.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.73 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000404 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 3958.33 | XX | 12 | 56.00% | 3958.33 | XX | Yes | 43.35 | 2.3 | 2.307 | 1715.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23630 |  |  |  | 3958.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 31.29 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 900000406 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4125 | 4200 | Appraisal - 1025 |  |  |  |  | 4125 | Actual In Place Rent | No | 85.23 | 1.17 | 1.173 | 3515.73 | 2476 | 07-20-2026 | 12 | 1649 | 03-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42188.64 |  |  |  | 4125 |  |  |  |  |  |  | No | No | 7.3 | 1 | 1 | N/A | 40.97 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 900000410 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3852.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 38.97 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000413 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 1875 | Appraisal - 1007 |  |  |  |  | 1875 | Appraisal - 1007 | No | 58.51 | 1.15 | 1.709 | 1096.97 | 2500 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19476 |  |  |  | 1875 |  |  |  |  |  |  | No | No | 21 | 1 | 1 | N/A | 94.92 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000415 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3100 | 3100 | Appraisal - 1025 |  |  |  |  | 3100 | Appraisal - 1025 | No | 74.56 | 1.33 | 1.341 | 2311.34 | 1500 | 10-16-2025 | 12 | 1600 | 11-15-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27780 |  |  |  | 3100 |  |  |  |  |  |  | No | No | 2.5 | 1 | 1 | N/A | 25.03 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000416 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3907.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 112.12 | No |  |  |  | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000424 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1125 | Appraisal - 1007 |  |  |  |  | 1125 | Appraisal - 1007 | No | 84.37 | 1.15 | 1.185 | 949.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25800 |  |  |  | 1125 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 93.38 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000429 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1750 | 1500 | Appraisal - 1007 |  |  |  |  | 1500 | Appraisal - 1007 | No | 92.46 | 1.262 | 1.081 | 1386.97 | 1750 | 07-28-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16580 |  |  |  | 1500 |  |  |  |  |  |  | No | No | 1.6 | 1 | 1 | N/A | 34.95 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 900000430 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 5951.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 809000 |  |  |  |  |  |  |  |  |  |  |  | No | 5.2 | 2 | 1 | N/A | 6.8 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000433 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  |  |  |  | 2400 | Appraisal - 1007 | No | 85.42 | 1.17 | 1.171 | 2050.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5000 |  |  |  | 2400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 104.44 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000438 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1025 |  |  |  |  | 1500 | Appraisal - 1025 | No | 73.68 | 1.35 | 1.357 | 1105.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 59000 |  |  |  | 1500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.18 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000439 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1007 |  |  |  |  | 1500 | Appraisal - 1007 | No | 72.18 | 1.38 | 1.385 | 1082.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12992.16 |  |  |  | 1500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 59.77 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Owner |
| Removed from deal | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 146.59 | 0.68 | 0.682 | 2491.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24780 |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.32 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000452 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1850 | Appraisal - 1007 |  |  |  |  | 1850 | Appraisal - 1007 | No | 78.11 | 1.28 | 1.28 | 1445 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26000 |  |  |  | 1850 |  |  |  |  |  |  |  | No | 0 | 1 | 1 |  | 185.42 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 900000456 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  |  |  |  | 1600 | Appraisal - 1007 | No | 77.45 | 1.29 | 1.291 | 1239.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5400 |  |  |  | 1600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.46 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000466 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2496.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30900 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.49 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000470 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal - 1025 |  |  |  |  | 3600 | Appraisal - 1025 | No | 90.55 | 1.1 | 1.104 | 3259.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45000 |  |  |  | 3600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 30.17 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 900000471 | XX |  |  | XX | XXXX | 2YR Full Doc | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 5166.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 150.02 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000481 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 4425 | XX | 12 | 46.00% | 4425 | XX | Yes | 87.78 | 1.41 | 1.139 | 3884.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2400 |  |  |  | 4425 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.08 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000492 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3800 | Appraisal - 1025 |  |  |  |  | 3800 | Appraisal - 1025 | No | 83.34 | 1.19 | 1.2 | 3166.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 44200 |  |  |  | 3800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 35.41 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 900000497 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 950 | Short Term Rental | 1675 | XX | 371 | 35.00% | 1675 | XX | Yes | 60.82 | 1.64 | 1.644 | 1018.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5700 |  |  |  | 1675 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 28.07 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000500 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 5341.66 | XX | 12 | 61.00% | 5341.66 | XX | Yes | 79.02 | 1.26 | 1.266 | 4220.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 74200 |  |  |  | 5341.66 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 17.06 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000505 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5700 | Appraisal - 1025 |  |  |  |  | 5700 | Appraisal - 1025 | No | 98.4 | 1.01 | 1.016 | 5609.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 5700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 13.21 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 900000508 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Appraisal - 1007 | No | 99.67 | 1.003 | 1.003 | 1794.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 1800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 70.71 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000509 | XX |  |  | XX | XXXX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4660.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 |  | 36.53 | No |  |  | Vested Individual | XX | XX |  | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000524 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2800 | 2800 | Appraisal - 1007 |  |  |  |  | 2800 | Appraisal - 1007 | No | 83.28 | 1.2 | 1.201 | 2331.79 | 2800 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27981.48 |  | 0 |  | 2800 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 82.16 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000536 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2550 | 2550 | Appraisal - 1007 |  |  |  |  | 2550 | Appraisal - 1007 | No | 90.58 | 1.1 | 1.104 | 2309.71 | 2550 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 80000 |  |  |  | 2550 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 14.48 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 900000539 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  |  |  |  | 2500 | Appraisal - 1007 | No | 98.12 | 1.01 | 1.019 | 2453.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 44300 |  |  |  | 2500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.79 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000542 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3700 | Appraisal - 1007 | 4858.33 | XX | 12 | 66.00% | 3700 | Appraisal - 1007 | No | 96.65 | 1 | 1.035 | 3576.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  | 3700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 54.25 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 900000543 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1650 | 1715 | Appraisal - 1007 |  |  |  |  | 1650 | Actual In Place Rent | No | 85.09 | 1.175 | 1.175 | 1404.01 | 1650 | 07-13-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19800 |  |  |  | 1650 |  |  |  |  |  |  | No | No | 4.7 | 1 | 1 | N/A | 26.76 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 900000551 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4400 | 3850 | Appraisal - 1025 |  |  |  |  | 3850 | Appraisal - 1025 | No | 81.85 | 1.22 | 1.222 | 3151.06 | 1550 | 11-30-2025 | 12 | 1550 | 08-29-2025 | 1 | 1300 | 08-29-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39522 |  |  |  | 3850 |  |  |  |  |  |  | No | No | 2.5 | 1 | 1 | N/A | 63.3 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 900000575 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1815 | Appraisal - 1007 |  |  |  |  | 1815 | Appraisal - 1007 | No | 99.88 | 1 | 1.001 | 1812.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17400 |  |  |  | 1815 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 58.5 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000589 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 2650 | XX | 12 | 45.00% | 2650 | XX | Yes | 93.83 | 1.06 | 1.066 | 2486.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 2650 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 30.24 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 900000594 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1650 | 1650 | Appraisal - 1007 |  |  |  |  | 1650 | Actual In Place Rent | No | 99.98 | 1 | 1 | 1649.73 | 1650 | 07-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19800 |  |  |  | 1650 |  |  |  |  |  |  | No | No | 24.4 | 1 | 1 | N/A | 42.28 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000600 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  |  |  |  | 2100 | Appraisal - 1007 | No | 137.39 | 0.72 | 0.728 | 2885.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34621.08 |  |  |  | 2100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 403.84 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000622 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Short Term Rental | 6183.3 | XX | 12 | 76.00% | 6183.3 | XX | Yes | 47.98 | 2.08 | 2.084 | 2966.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35599.68 |  |  |  | 6183.3 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.65 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000625 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Appraisal - 1007 | No | 93.97 | 1.06 | 1.064 | 1879.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22554 |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 40.6 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000627 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1025 |  |  |  |  | 2300 | Appraisal - 1025 | No | 55.44 | 1.804 | 1.804 | 1275.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 65700 |  |  |  | 2300 |  |  |  |  |  |  |  | No | 1 | 1 | 1 | N/A | 15.34 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 900000631 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1800 | 1850 | Appraisal - 1007 |  |  |  |  | 1800 | Actual In Place Rent | No | 93.91 | 1.065 | 1.065 | 1690.38 | 1800 | 09-30-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28700 |  |  |  | 1800 |  |  |  |  |  |  | No | No | 21.2 | 1 | 1 | N/A | 88.95 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000635 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3600 |  | Short Term Rental | 5841.67 | XX | 12 | 66.00% | 5841.67 | XX | Yes | 90.11 | 1.11 | 1.11 | 5263.65 | 3600 | 05-02-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38400 |  |  |  | 5841.67 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 28.58 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000639 | XX |  |  | XX | XXXX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2123.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.77 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000652 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3625 | Short Term Rental | 7791.67 | XX | 12 | 71.00% | 7791.67 | XX | Yes | 47.44 | 2.14 | 2.108 | 3696.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42500 |  |  |  | 7791.67 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 21.1 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000656 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2700 | Appraisal - 1007 |  |  |  |  | 2700 | Appraisal - 1007 | No | 101.02 | 0.98 | 0.99 | 2727.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39400 |  |  |  | 2700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.3 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000659 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 7500 | 7500 | Appraisal - 1025 |  |  |  |  | 7500 | Appraisal - 1025 | No | 79.41 | 1.25 | 1.259 | 5955.4 | 1900 | 05-22-2026 | 12 | 1900 | 03-01-2026 | 12 | 1800 | 03-01-2026 | 12 | 1900 | 03-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 71464.92 |  |  |  | 7500 |  |  |  |  |  |  | No | No | 1.4 | 1 | 1 | N/A | 15.69 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000661 | XX |  |  | XX | XXXX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 5051.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 72320 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.59 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000665 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1100 | Appraisal - 1025 |  |  |  |  | 1100 | Appraisal - 1025 | No | 99.64 | 1.04 | 1.004 | 1096.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13200 |  |  |  | 1100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 54.35 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000668 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6707 | 5925 | Appraisal - 1025 |  |  |  |  | 5925 | Appraisal - 1025 | No | 73.77 | 1.35 | 1.355 | 4371.12 | 1810 | 11-30-2025 | 12 | 1735 | 11-30-2025 | 12 | 1485 | 05-31-2026 | 12 | 1677 | 10-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 79000 |  |  |  | 5925 |  |  |  |  |  |  | No | No | 2.8 | 1 | 1 | N/A | 19.48 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000671 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  |  |  |  | 2500 | Appraisal - 1007 | No | 90.22 | 1.1 | 1.108 | 2255.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27065.4 |  |  |  | 2500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.83 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000677 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2990 | 3050 | Appraisal - 1025 |  |  |  |  | 2990 | Actual In Place Rent | No | 68.92 | 1.45 | 1.451 | 2060.83 | 1650 | 09-25-2025 | 1 | 1340 | 09-25-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 131000 |  |  |  | 2990 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 100.3 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000679 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2200 | 2050 | Appraisal - 1007 |  |  |  |  | 2200 | Actual In Place Rent | No | 82.11 | 1.21 | 1.218 | 1806.46 | 2200 | 03-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36500 |  |  |  | 2200 |  |  |  |  |  |  | No | No | 7.2 | 1 | 1 | N/A | 36.69 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000694 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1725 | Appraisal - 1007 |  |  |  |  | 1725 | Appraisal - 1007 | No | 85.02 | 1.17 | 1.176 | 1466.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17599.32 |  |  |  | 1725 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.83 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 900000699 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1300 | 1600 | Appraisal - Narrative |  | N/A |  |  | 1300 | Actual In Place Rent | No | 86.02 | 1.162 | 1.162 | 1118.28 | 1300 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2400 |  |  |  | 1300 |  |  |  |  |  |  | No | No | 6.2 | 1 | 1 | N/A | 83.21 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000705 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1695 | Appraisal - 1007 |  | N/A |  |  | 1695 | Appraisal - 1007 | No | 93.47 | 1.06 | 1.07 | 1584.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26000 |  |  |  | 1695 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 18.83 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000716 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  |  |  |  | 1900 | Appraisal - 1007 | No | 85.79 | 1.11 | 1.166 | 1629.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20529.12 |  |  |  | 1900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 51.55 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Vacant |
| 900000719 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Appraisal - 1007 | No | 68.72 | 1.09 | 1.091 | 1236.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18765 |  |  |  | 1800 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 33.26 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Vacant |
| 900000722 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1731 | 1800 | Appraisal - 1025 |  |  |  |  | 1731 | Actual In Place Rent | No | 40.3 | 2.47 | 2.481 | 697.63 | 900 | 04-30-2026 | 12 | 831 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25756 |  |  |  | 1731 |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 | N/A | 83.99 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000728 | XX |  |  | XX | XXXX | 12 Month Bank Statement | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 2975.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 43.27 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000731 | XX |  |  | XX | XXXX | 24 Month Bank Statement | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 8177.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 7.66 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000732 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6206.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 26.03 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000734 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 3608.33 | XX | 12 | 70.00% | 3608.33 | XX | Yes | 68.17 | 1.41 | 1.467 | 2459.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  | 3608.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 155.65 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000737 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4000 | Appraisal - 1025 |  |  |  |  | 4000 | Appraisal - 1025 | No | 99.38 | 1 | 1.006 | 3975.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 46400 |  |  |  | 4000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.96 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000751 | XX |  |  | XX | XXXX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3237.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 56.91 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000757 | XX |  |  | XX | XXXX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4981.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.38 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000768 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4400 | 5600 | Appraisal - 1025 |  |  |  |  | 4400 | Actual In Place Rent | No | 39.48 | 2.36 | 2.533 | 1736.96 | 2000 | 06-01-2026 | 12 | 2400 | 06-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 64500 |  |  |  | 4400 |  |  |  |  |  |  | No | No | 13.8 | 1 | 1 | N/A | 34.98 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000771 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Short Term Rental | 3650 | XX | 12 | 47.00% | 3650 | XX | Yes | 75.09 | 1.25 | 1.332 | 2740.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 3650 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.51 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Vacant |
| 900000773 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 3524.58 | XX | 12 | 45.00% | 3524.58 | XX | Yes | 61.78 | 1.67 | 1.619 | 2177.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26130 |  |  |  | 3524.58 |  |  |  |  |  |  |  | No | 17.9 | 1 | 1 | N/A | 62.79 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000775 | XX |  |  | XX | XXXX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 5636.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.63 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000776 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4000 | 8000 | Appraisal - 1025 |  |  |  |  | 8000 | Appraisal - 1025 | No | 98.74 | 1 | 1 | 7899.57 | 2100 | 11-01-2025 | 1 |  |  |  | 1900 | 11-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50600 |  |  |  | 8000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.92 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 900000777 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2850 | 2455 | Appraisal - 1007 |  |  |  |  | 2455 | Appraisal - 1007 | No | 85.98 | 1.15 | 1.163 | 2110.88 | 2850 | 06-30-2028 | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29460 |  |  |  | 2455 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 6.66 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000780 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Short Term Rental | 2208.33 | XX | 12 | 48.00% | 2208.33 | XX | Yes | 94.36 | 1.05 | 1.06 | 2083.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26500 |  |  |  | 2208.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 18.22 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000783 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1450 | Appraisal - 1007 |  |  |  |  | 1450 | Appraisal - 1007 | No | 86.55 | 1.15 | 1.155 | 1255.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15060.24 |  |  |  | 1450 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 48.06 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Vacant |
| 900000790 | XX |  |  | XX | XXXX | 12 Month Bank Statement | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 2877.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 23.73 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000794 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 6700 | Short Term Rental | 7441.67 | XX | 12 | 76.00% | 7441.67 | XX | Yes | 72.17 | 1.38 | 1.386 | 5371.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 7441.67 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.86 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000803 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1025 |  |  |  |  | 1500 | Appraisal - 1025 | No | 74.33 | 1.345 | 1.345 | 1114.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26800 |  |  |  | 1500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.99 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000813 | XX |  |  | XX | XXXX | 12 Month Bank Statement | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1731.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20773.68 |  |  |  |  |  |  |  |  |  |  |  | No | 1.1 | 1 | 1 | N/A | 91.8 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000816 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5180 | 6400 | Appraisal - 1007 |  |  |  |  | 5180 | Actual In Place Rent | No | 90.51 | 1.1 | 1.105 | 4688.63 | 3080 | 08-25-2025 | 1 | 2100 | 08-25-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 56263.56 |  |  |  | 5180 |  |  |  |  |  |  | No | No | 3.8 | 1 | 1 | N/A | 59.78 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000819 | XX |  |  | XX | XXXX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 23449.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 170000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 279.37 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000820 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2700 | Appraisal - 1007 |  |  |  |  | 2700 | Appraisal - 1007 | No | 91.89 | 1.04 | 1.088 | 2481.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34000 |  |  |  | 2700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 18.56 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Vacant |
| 900000821 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2846 | Appraisal - 1007 |  |  |  |  | 2846 | Appraisal - 1007 | No | 88.93 | 1.124 | 1.124 | 2531.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35590 |  |  |  | 2846 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 13.78 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| Removed from deal | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3020 | 5420 | Appraisal - 1025 |  |  |  |  | 5420 | Appraisal - 1025 | No | 89.7 | 1.11 | 1.115 | 4861.56 | 0 | 08-28-2025 | 0 | 1510 | 10-31-2025 | 12 | 0 | 08-28-2025 | 0 | 1510 | 11-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 57400 |  |  |  | 5420 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 21.55 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000827 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1007 |  |  |  |  | 1500 | Appraisal - 1007 | No | 81.26 | 1.231 | 1.231 | 1218.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22600 |  |  |  | 1500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 31.79 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000851 | XX |  |  | XX | XXXX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 8635.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 88.89 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000853 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2250 | 3000 | Appraisal - 1007 |  |  |  |  | 2250 | Actual In Place Rent | No | 99.89 | 1 | 1.001 | 2247.58 | 2250 | 02-28-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26970.96 |  |  |  | 2250 |  |  |  |  |  |  | No | No | 22.9 | 1 | 1 | N/A | 41.8 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000857 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3550 | 2615 | Appraisal - 1025 |  |  |  |  | 2615 | Appraisal - 1025 | No | 79.92 | 1.25 | 1.251 | 2089.95 | 1450 | 11-16-2025 | 1 | 2100 | 11-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22000 |  |  |  | 2615 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 |  | 72.53 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 900000858 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  |  |  |  | 2100 | Appraisal - 1007 | No | 94.32 | 1.06 | 1.06 | 1980.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2400 |  |  |  | 2100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.75 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000877 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6639.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.37 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000882 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  |  |  |  | 1600 | Appraisal - 1007 | No | 81.2 | 1.231 | 1.231 | 1299.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  | 1600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.89 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000883 | XX |  |  | XX | XXXX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6719.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 70000 |  |  |  |  |  |  |  |  |  |  |  | No | 0.1 | 1 | 1 | N/A | 23.29 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000890 | XX |  |  | XX | XXXX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 5056.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 18.55 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000907 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5500 | 4250 | Appraisal - 1007 |  |  |  |  | 4250 | Appraisal - 1007 | No | 168.77 | 0.59 | 0.593 | 7172.53 | 5500 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 86076 |  |  |  | 4250 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 22.7 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000914 | XX |  |  | XX | XXXX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 5590.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.11 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000915 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2100 | 2100 | Appraisal - 1007 |  |  |  |  | 2100 | Actual In Place Rent | No | 100.24 | 0.998 | 0.998 | 2105.09 | 2100 | 03-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12600 |  |  |  | 2100 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 87.71 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000925 | XX |  |  | XX | XXXX | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2389.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.2 | 2 | 1 | N/A | 127.12 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000926 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1025 |  |  |  |  | 3200 | Appraisal - 1025 | No | 82.5 | 1.21 | 1.212 | 2639.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40190 |  |  |  | 3200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 13.53 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 900000942 | XX |  |  | XX | XXXX | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6007.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 42.33 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000946 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 7575 | XX | 12 | 70.00% | 7575 | XX | Yes | 46.8 | 2.09 | 2.137 | 3545.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43409.64 |  |  |  | 7575 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 45.6 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 900000952 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1225 | Appraisal - 1007 |  |  |  |  | 1225 | Appraisal - 1007 | No | 83.02 | 1.2 | 1.204 | 1017.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20100 |  |  |  | 1225 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 37.47 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000957 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Short Term Rental | 6591.67 | XX | 12 | 44.00% | 6591.67 | XX | Yes | 93.31 | 1.072 | 1.072 | 6150.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 104600 |  |  |  | 6591.67 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 13.72 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 900000958 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1950 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1950 | Actual In Place Rent | No | 86.5 | 1.156 | 1.156 | 1686.69 | 1950 | 12-15-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19780 |  |  |  | 1950 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 15.77 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 900000959 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6999 | 4300 | Appraisal - 1007 |  |  |  |  | 4300 | Appraisal - 1007 | No | 159.11 | 0.62 | 0.629 | 6841.61 | 6999 | 07-14-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 82099.44 |  |  |  | 4300 |  |  |  |  |  |  | No | No | 1.3 | 1 | 1 | N/A | 24.35 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000960 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 995 | 2595 | Appraisal - 1025 |  |  |  |  | 2595 | Appraisal - 1025 | No | 85.25 | 1.17 | 1.173 | 2212.13 | 0 | 08-27-2025 | 0 | 995 | 08-27-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20811.48 |  |  |  | 2595 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 8.69 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 900000964 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2150 | 2000 | Appraisal - 1007 |  |  |  |  | 2150 | Actual In Place Rent | No | 94.92 | 1.07 | 1.054 | 2040.79 | 2150 | 08-14-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24140 |  |  |  | 2150 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 113.09 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000966 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 4116.67 | XX | 12 | 54.00% | 4116.67 | Short Term Rental | Yes | 98.19 | 1.01 | 1.018 | 4042.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 48506.04 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | No | 0 | 1 | 1 | N/A | 44.31 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000967 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1150 | 1600 | Appraisal - 1007 |  |  |  |  | 1150 | Actual In Place Rent | No | 97.03 | 1.03 | 1.031 | 1115.89 | 1150 | 11-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14000 |  |  |  | 1150 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 60.4 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 900000969 | XX |  |  | XX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  |  |  |  | 1600 | Appraisal - 1007 | No | 99.68 | 1 | 1.003 | 1594.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27600 |  |  |  | 1600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 18.72 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 900000971 | XX |  |  | XX | XXXX | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2788.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 2 | 1 |  | 20.66 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Marketing ID** | **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| 900000007 | XX | XX |  |  | Closed | 2025-10-03 07:36 | 2025-11-05 11:47 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Resolved-Lender provided Homeownership Counseling Organizations Disclosure. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/XX/2025 <br>Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided Homeownership Counseling Organizations Disclosure. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-11/XX/2025<br>| XX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 5763460 | N/A | N/A |
| 900000009 | XX | XX |  |  | Closed | 2025-08-22 16:35 | 2025-09-19 11:52 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo ID expiration date is 08-XX-2025 and note is dated 07-XX-2025. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/XX/2025 <br>Open-Borrower photo ID expiration date is 05-XX-2025 and note is dated 07-XX-2025. B1 photo ID expiration date is 05-XX-2025 and note is dated 07-XX-2025. - Due Diligence Vendor-08/XX/2025 |  | Resolved-Borrower photo ID expiration date is 08-XX-2025 and note is dated 07-XX-2025. - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5290237 | N/A | N/A |
| 900000011 | XX | XX |  |  | Closed | 2025-10-02 16:12 | 2025-10-02 16:12 | 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-10/XX/2025 |  | 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-10/XX/2025<br>|  |  |  | SD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5759152 | Originator Pre-Close | Yes |
| 900000017 | XX | XX |  |  | Closed | 2025-09-30 12:42 | 2025-09-30 12:42 | 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-09/XX/2025 |  | 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-09/XX/2025<br>|  |  |  | WA | Second Home | Purchase | NA | 5722066 | Originator Pre-Close | No |
| 900000095 | XX | XX |  |  | Closed | 2025-10-08 05:52 | 2025-10-08 05:56 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Escrows required for LTV > 80%. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-10/XX/2025 |  | Waived-Escrows required for LTV > 80%. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-10/XX/2025<br>|  |  | FICO 721<br> DTI 33.16<br> Reserves | TX | Primary Residence | Purchase | NA | 5816271 | Originator Pre-Close | Yes |
| 900000125 | XX | XX |  |  | Closed | 2025-10-07 12:05 | 2025-10-07 12:05 | Waived | 2 - Non-Material | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-EAD with C14 category. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-10/XX/2025 |  | Waived-EAD with C14 category. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-10/XX/2025<br>|  |  | Fico 748<br> DTI 35<br> LTV 65 | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5807135 | Originator Pre-Close | Yes |
| 900000137 | XX | XX |  |  | Closed | 2025-09-17 14:07 | 2026-01-05 15:52 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Lender provided Business Purpose Affidavit. Finding Resolved - Due Diligence Vendor-09/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. business purpose - Buyer-09/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided Business Purpose Affidavit. Finding Resolved - Due Diligence Vendor-09/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | FL | Investment | Purchase | NA | 5574853 | N/A | N/A |
| 900000137 | XX | XX |  |  | Closed | 2025-09-17 17:03 | 2026-01-02 09:43 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $141783.68 is equal to or greater than Total Required Reserve Amount of $111773.25 - Due Diligence Vendor-01/XX/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $492980.09 is equal to or greater than Total Required Reserve Amount of $111773.25 - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. bank transfers - Seller-10/XX/2025 <br>Counter-Missing documentation of the wires for the gift funds used for reserves totaling $111,670, gift letters are in the loan files but there is not documentation to support the funds went to the borrower. Finding Remains.<br> - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. Gift funds are permitted for both closing costs and reserves per guidelines. Spouse gifted borrower by wiring $351,196.41 to closing and gifted $111,670 to the borrower's personal acct that already had $113.68 in it giving the borrower a total of $111,783.68 available for reserves. Meeting the reserve requirement for $111,780. Please see asset worksheet in the file confirming the required 9 months reserves. - Seller-09/XX/2025 <br>Open-Total Qualified Assets for Reserves Post-Close of $113.68 is less than Total Required Reserve Amount of $111773.25. Lender's guidelines indicate reserves must come from the borrower's own funds; therefore, gift funds were excluded. - Due Diligence Vendor-09/XX/2025 | Ready for Review-Document Uploaded. bank transfers - Seller-10/07/2025 <br>Ready for Review-Document Uploaded. Gift funds are permitted for both closing costs and reserves per guidelines. Spouse gifted borrower by wiring $351,196.41 to closing and gifted $111,670 to the borrower's personal acct that already had $113.68 in it giving the borrower a total of $111,783.68 available for reserves. Meeting the reserve requirement for $111,780. Please see asset worksheet in the file confirming the required 9 months reserves. - Seller-09/29/2025<br>| Resolved-Total Qualified Assets for Reserves Post-Close of $141783.68 is equal to or greater than Total Required Reserve Amount of $111773.25 - Due Diligence Vendor-01/XX/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $492980.09 is equal to or greater than Total Required Reserve Amount of $111773.25 - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | FL | Investment | Purchase | NA | 5578144 | N/A | N/A |
| 900000137 | XX | XX |  |  | Closed | 2025-09-17 17:05 | 2025-10-08 12:46 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Total Qualified Assets for Reserves Post-Close of $492980.09 is equal to or greater than Total Required Reserve Amount of $111773.25. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. bank transfers - Investor-10/XX/2025 <br>Counter-Missing documentation of the wires for the gift funds used for reserves totaling $111,670, gift letters are in the loan files but there is not documentation to support the funds went to the borrower. Finding Remains.<br> - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. Gift funds are permitted for both closing costs and reserves per guidelines. Spouse gifted borrower by wiring $351,196.41 to closing and gifted $111,670 to the borrower's personal acct that already had $113.68 in it giving the borrower a total of $111,783.68 available for reserves. Meeting the reserve requirement for $111,780. Please see asset worksheet in the file confirming the required 9 months reserves. - Buyer-09/XX/2025 <br>Open-Audited Reserves of 0.01 month(s) are less than Guideline Required Reserves of 9 month(s). Lender's guidelines indicate reserves must come from the borrower's own funds; therefore, gift funds were excluded. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $492980.09 is equal to or greater than Total Required Reserve Amount of $111773.25. Finding Resolved. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | FL | Investment | Purchase | NA | 5578190 | N/A | N/A |
| 900000145 | XX | XX |  |  | Closed | 2025-10-07 05:27 | 2025-10-07 05:27 | 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-10/XX/2025 |  | 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-10/XX/2025<br>|  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 5798854 | Investor Post-Close | No |
| 900000148 | XX | XX |  |  | Closed | 2025-10-02 14:46 | 2025-10-02 14:46 | 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-10/XX/2025 |  | 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-10/XX/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 5757599 | Investor Post-Close | No |
| 900000149 | XX | XX |  |  | Closed | 2025-10-02 14:19 | 2025-10-15 11:58 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided evidence the borrower viewed the ICD on 09/XX/2025. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached ICD package - Buyer-10/XX/2025 <br>Counter-Please provide evidence the "Mortgage Loan Disclosures" includes the ICD. Nothing provided includes an itemization of the package as evidence the ICD was included. Condition maintained. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached audit trail. - Buyer-10/XX/2025 <br>Counter-Unable to locate a document confirming the date a borrower accessed the initial CD. Please provide. Condition maintained. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Closing response: System of record clearly shows that the ICD was sent on 9/17 and one borrower accessed the docs. For a 2nd home purchase, this is acceptable p to meet the TRID requirement. - Buyer-10/XX/2025 <br>Open-The Initial Closing Disclosure was provided on (2025-XX-17) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-XX-23). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-XX-20), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250916), for consummation to occur on (2025-XX-23). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 09/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 09/XX/2025. No Cure.<br> - Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided evidence the borrower viewed the ICD on 09/XX/2025. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | GA | Second Home | Purchase | NA | 5757133 | N/A | N/A |
| 900000153 | XX | XX |  |  | Closed | 2025-09-20 09:23 | 2026-01-05 16:47 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-01/XX/2026 <br>Resolved-Signed Business Purpose Affidavit received. Finding resolved. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. business purpose - Buyer-09/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-01/XX/2026 <br>Resolved-Signed Business Purpose Affidavit received. Finding resolved. - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | TX | Investment | Purchase | NA | 5610228 | N/A | N/A |
| 900000165 | XX | XX |  |  | Closed | 2025-09-29 15:21 | 2025-10-03 08:07 | Resolved | 1 - Information | Compliance | Disclosure | Disclosure(s) for Borrower 2 electronically dated prior to E-Consent | Resolved-Received e-consent dated 8/XX/2025. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached e-consent for B1 and B2. - Investor-10/XX/2025 <br>Open-Disclosure(s) signed 08/XX/2025 is prior to E-Consent from Borrower 2 dated 08/XX/2025. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Received e-consent dated 8/XX/2025. Condition cleared. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | GA | Primary Residence | Purchase | NA | 5709304 | N/A | N/A |
| 900000165 | XX | XX |  |  | Closed | 2025-09-29 15:21 | 2025-10-03 08:07 | Resolved | 1 - Information | Compliance | Disclosure | Disclosure(s) for Borrower electronically dated prior to E-Consent | Resolved-Received e-consent dated 8/XX/2025. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached e-consent for B1 and B2. - Buyer-10/XX/2025 <br>Open-Disclosure(s) signed 08/XX/2025 is prior to E-Consent from Borrower dated 08/XX/2025. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Received e-consent dated 8/XX/2025. Condition cleared. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | GA | Primary Residence | Purchase | NA | 5709303 | N/A | N/A |
| 900000165 | XX | XX |  |  | Closed | 2025-09-24 02:47 | 2025-10-03 08:06 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached ABA. - Seller-10/XX/2025 <br>Open-RESPA: AfBA Disclosure is Missing or Incomplete - Due Diligence Vendor-09/XX/2025 | Ready for Review-Document Uploaded. Please see attached ABA. - Seller-10/01/2025<br>| Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | GA | Primary Residence | Purchase | NA | 5647990 | N/A | N/A |
| 900000165 | XX | XX |  |  | Closed | 2025-09-24 02:47 | 2025-10-03 08:06 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Resolved-RESPA: Toolkit provided. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached Toolkit Acknowledgement. - Buyer-10/XX/2025 <br>Open-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-09/XX/2025 |  | Resolved-RESPA: Toolkit provided. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | GA | Primary Residence | Purchase | NA | 5647991 | N/A | N/A |
| 900000181 | XX | XX |  |  | Closed | 2025-10-01 12:53 | 2026-01-02 10:41 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (2025-XX-15) is more than 3 business days from the Application Date (2025-XX-17). Three business days from the Application Date is (2025-XX-23). 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) . This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/XX/2026 <br>Open-The Homeownership Counseling Organization Disclosure Sent Date (2025-XX-15) is more than 3 business days from the Application Date (2025-XX-17). Three business days from the Application Date is (2025-XX-23). 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) . This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 |  | Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (2025-XX-15) is more than 3 business days from the Application Date (2025-XX-17). Three business days from the Application Date is (2025-XX-23). 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) . This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/XX/2026<br>|  |  |  | KY | Investment | Refinance | Cash Out - Other | 5738558 | Originator Post-Close | No |
| 900000181 | XX | XX |  |  | Closed | 2025-10-01 13:07 | 2025-10-01 13:07 | 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-10/XX/2025 |  | 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-10/XX/2025<br>|  |  |  | KY | Investment | Refinance | Cash Out - Other | 5738941 | Originator Pre-Close | Yes |
| 900000208 | XX | XX |  |  | Closed | 2025-09-29 12:10 | 2025-09-29 12:18 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 80% exceeds Guideline CLTV of 75% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/XX/2025 |  | Waived-Audited CLTV of 80% exceeds Guideline CLTV of 75% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/XX/2025<br>|  |  | Min FICO 810<br> Max DTI 35<br> Min Reserves $12,000 | NC | Primary Residence | Purchase | NA | 5705439 | Originator Pre-Close | Yes |
| 900000208 | XX | XX |  |  | Closed | 2025-09-29 12:10 | 2025-09-29 12:16 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors - Due Diligence Vendor-09/XX/2025 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors - Due Diligence Vendor-09/XX/2025<br>|  |  | Min FICO 810<br> Max DTI 35<br> Min Reserves $12,000 | NC | Primary Residence | Purchase | NA | 5705441 | Originator Pre-Close | Yes |
| 900000208 | XX | XX |  |  | Closed | 2025-09-29 12:10 | 2025-09-29 12:16 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 75% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/XX/2025 |  | Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 75% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/XX/2025<br>|  |  | Min FICO 810<br> Max DTI 35<br> Min Reserves $12,000 | NC | Primary Residence | Purchase | NA | 5705440 | Originator Pre-Close | Yes |
| 900000208 | XX | XX |  |  | Closed | 2025-09-29 12:13 | 2025-09-29 12:14 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/XX/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/XX/2025<br>|  |  | Min FICO 810<br> Max DTI 35<br> Min Reserves $12,000 | NC | Primary Residence | Purchase | NA | 5705499 | Originator Pre-Close | Yes |
| 900000208 | XX | XX |  |  | Closed | 2025-09-22 13:33 | 2025-09-22 13:33 | 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-09/XX/2025 |  | 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-09/XX/2025<br>|  |  |  | NC | Primary Residence | Purchase | NA | 5623062 | Investor Post-Close | No |
| 900000211 | XX | XX |  |  | Closed | 2025-09-23 11:14 | 2025-10-02 10:43 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-File contains a mortgage statement for the primary residence in the spouse's name only; mortgage is current per the statement. A full payment history is not required since this mortgage is not in the borrower's name. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-UW response: Primary owned since 2022, however mortgage is in name of spouse only, no red flags therefore nothing further is required. - Buyer-09/XX/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Verification of Mortgage for the borrower's primary residence. - Due Diligence Vendor-09/XX/2025 |  | Resolved-File contains a mortgage statement for the primary residence in the spouse's name only; mortgage is current per the statement. A full payment history is not required since this mortgage is not in the borrower's name. Finding Resolved. - Due Diligence Vendor-10/XX/2025<br>|  |  |  | WI | Investment | Purchase | NA | 5636150 | N/A | N/A |
| 900000224 | XX | XX |  |  | Closed | 2025-10-08 07:06 | 2025-10-14 14:36 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided evidence the ICD was provided electronically and viewed on 09/XX/2025. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. docs sent 092325 - Buyer-10/XX/2025 <br>Counter-The document provided does not specifically state the "Mortgage Loan Disclosures" package included the initial CD. Condition maintained. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. icd 092325 - Buyer-10/XX/2025 <br>Open-The Initial Closing Disclosure was provided on (2025-XX-23) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-XX-26). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-XX-26), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250919), for consummation to occur on (2025-XX-26). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) NO evidence of e-signature of initial CD in file. - Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided evidence the ICD was provided electronically and viewed on 09/XX/2025. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | FL | Second Home | Purchase | NA | 5817031 | N/A | N/A |
| 900000232 | XX | XX |  |  | Closed | 2025-10-14 13:29 | 2025-10-17 08:18 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Lender provided the Title Document. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. title - Buyer-10/XX/2025 <br>Open-Title Document is missing - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided the Title Document. Finding Resolved. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | TX | Investment | Refinance | Cash Out - Other | 5891155 | N/A | N/A |
| 900000239 | XX | XX |  |  | Closed | 2025-09-23 21:37 | 2025-10-06 09:03 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 <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-10/XX/2025 <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/XX/2025. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 5646763 | N/A | N/A |
| 900000239 | XX | XX |  |  | Closed | 2025-09-23 21:26 | 2025-09-23 23:29 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Lender has approved loan on exception for Housing Payment History. First time homebuyer living rent free for the past 12 years vs First time homebuyer living rent free is not eligible - Due Diligence Vendor-09/XX/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Lender has approved loan on exception for Housing Payment History. First time homebuyer living rent free for the past 12 years vs First time homebuyer living rent free is not eligible - Due Diligence Vendor-09/XX/2025<br>|  |  | Minimum FICO: 700 <br> Maximum DTI: 50 <br> Maximum LTV: 75 <br> Minimum Reserves: $100,000 | NY | Primary Residence | Purchase | NA | 5646754 | Originator Pre-Close | Yes |
| 900000264 | XX | XX |  |  | Closed | 2025-10-13 08:56 | 2026-01-02 10:42 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (2025-XX-11) is more than 3 business days from the Application Date (2025-XX-11). Three business days from the Application Date is (2025-XX-14). 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) .This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/XX/2026 <br>Open-The Homeownership Counseling Organization Disclosure Sent Date (2025-XX-11) is more than 3 business days from the Application Date (2025-XX-11). Three business days from the Application Date is (2025-XX-14). 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) .This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 |  | Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (2025-XX-11) is more than 3 business days from the Application Date (2025-XX-11). Three business days from the Application Date is (2025-XX-14). 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) .This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/XX/2026<br>|  |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5870823 | Originator Post-Close | No |
| 900000273 | XX | XX |  |  | Closed | 2025-09-24 13:05 | 2025-09-29 05:54 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of $xx is greater than the Guideline Maximum Loan Amount of $2500000 . Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/XX/2025 |  | Waived-Audited Loan Amount of $xx is greater than the Guideline Maximum Loan Amount of $2500000 . Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/XX/2025 |  |  | Borrower has 2.3MM in assets, 2025 net income is already at 3mm in total and has increased year over year since 2022. | CA | Second Home | Purchase | NA | 5658907 | Originator Pre-Close | Yes |
| 900000275 | XX | XX |  |  | Closed | 2025-09-16 07:26 | 2025-09-16 11:42 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-Audited Loan Amount of $XX is less than the Guideline Minimum Loan Amount of $100000 Loan amount of $XX is less than $100,000 minimum required by guidelines. Lender provided approved exception dated prior to consummation. - Due Diligence Vendor-09/XX/2025 |  | Acknowledged-Audited Loan Amount of $XX is less than the Guideline Minimum Loan Amount of $100000 Loan amount of $XXXX is less than $100,000 minimum required by guidelines. Lender provided approved exception dated prior to consummation. - Due Diligence Vendor-09/XX/2025 |  |  |  | OH | Investment | Refinance | Cash Out - Other | 5549341 | Originator Pre-Close | Yes |
| 900000276 | XX | XX |  |  | Closed | 2025-09-21 09:57 | 2025-09-21 09:57 | 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-09/XX/2025 |  | 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-09/XX/2025<br>|  |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 5611450 | Investor Post-Close | No |
| 900000279 | XX | XX |  |  | Closed | 2025-10-07 11:16 | 2025-10-13 14:52 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided evidence "What Mortgage Applicants Need to Know" Pamphlet was provided timely to the borrower. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. LE - Buyer-10/XX/2025 <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/XX/2025. Missing "What Mortgage Applicants Need to Know" Pamphlet - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided evidence "What Mortgage Applicants Need to Know" Pamphlet was provided timely to the borrower. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 5806136 | N/A | N/A |
| 900000295 | XX | XX |  |  | Closed | 2025-10-07 07:29 | 2025-10-13 14:33 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided evidence New York pamphlet "What Mortgage Applicants Need to Know" was provided to the borrower timely. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. NY Docs for both borrowers - Buyer-10/XX/2025 <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/XX/2025. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided evidence New York pamphlet "What Mortgage Applicants Need to Know" was provided to the borrower timely. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 5800086 | N/A | N/A |
| 900000295 | XX | XX |  |  | Closed | 2025-10-07 09:42 | 2025-10-08 09:20 | Waived | 2 - Non-Material | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash-Out amount of $XX exceeds the maximum cash-out amount of $500,000 when the LTV exceeds 60%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 |  | Waived-Cash-Out amount of $XX exceeds the maximum cash-out amount of $500,000 when the LTV exceeds 60%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 |  |  | Minimum FICO: 726 <br> Maximum DTI: 35%<br> Maximum LTV: 80 %<br> Minimum Reserves: meeting | NY | Primary Residence | Refinance | Cash Out - Other | 5802355 | Originator Pre-Close | Yes |
| 900000328 | XX | XX |  |  | Closed | 2025-09-16 12:06 | 2025-09-16 12:06 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements First Time Home Buyer Borrower has been living rent free for 10+ years. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/XX/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements First Time Home Buyer Borrower has been living rent free for 10+ years. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/XX/2025<br>|  |  | Minimum FICO - 740<br> Maximum DTI - 35%<br> Maximum LTV - 75%<br> Minimum Reserves - $24,000 | CA | Primary Residence | Purchase | NA | 5555912 | Originator Pre-Close | Yes |
| 900000329 | XX | XX |  |  | Closed | 2025-09-17 12:45 | 2025-12-12 05:32 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Received state driver's license with expiration date of 04/XX/2030. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. ID - Buyer-09/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. Missing Borrower 1 Identification - Due Diligence Vendor-09/XX/2025 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Received state driver's license with expiration date of 04/XX/2030. Finding Resolved. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | CA | Investment | Purchase | NA | 5572917 | N/A | N/A |
| 900000329 | XX | XX |  |  | Closed | 2025-09-22 15:23 | 2025-10-06 15:26 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Lender provided Business Purpose Certification. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. business purpose - Buyer-10/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided Business Purpose Certification. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | CA | Investment | Purchase | NA | 5625400 | N/A | N/A |
| 900000330 | XX | XX |  |  | Closed | 2025-09-10 07:11 | 2025-09-15 18:40 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided pamphlet within 3 days of application. Finding Resolved. <br> - Due Diligence Vendor-09/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 <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-09/XX/2025 <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/XX/2025. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided pamphlet within 3 days of application. Finding Resolved. <br> - Due Diligence Vendor-09/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 5479340 | N/A | N/A |
| 900000330 | XX | XX |  |  | Closed | 2025-09-10 10:06 | 2025-09-11 07:32 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements First Time Homebuyer living rent free greater than 12 months from application date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/XX/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements First Time Homebuyer living rent free greater than 12 months from application date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/XX/2025<br>|  |  | Minimum FICO: 738 <br> Maximum DTI: 35 <br> Maximum LTV: 75 <br> Minimum Reserves: $45,000 | NY | Primary Residence | Purchase | NA | 5483014 | Originator Pre-Close | Yes |
| 900000333 | XX | XX |  |  | Closed | 2025-10-06 08:16 | 2025-10-13 14:32 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided evidence "What Mortgage Applicants Need to Know" Pamphlet was sent to the borrower timely. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached audit trail showing initial disclosures viewed on 07-31 and copy of signed initial disclosures. - Buyer-10/XX/2025 <br>Counter-Lender provided Initial Disclosure Package that includes the What Mortgage Applicants Need to Know pamphlet; however, the documents are not signed and there is no proof the borrower(s) received the initial package. Provide disclosure tracking or executed copies of the Initial Disclosure Package. Finding Remains. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosure package including the What Mortgage Applicants Need to Know Pamphlet. - Buyer-10/XX/2025 <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/XX/2025. Missing "What Mortgage Applicants Need to Know" Pamphlet - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided evidence "What Mortgage Applicants Need to Know" Pamphlet was sent to the borrower timely. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 5781488 | N/A | N/A |
| 900000364 | XX | XX |  |  | Closed | 2025-09-14 10:50 | 2026-01-05 13:27 | 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-01/XX/2026 <br>Resolved-The lender provided the October Business Bank Statement. Finding resolved. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached bank statement. - Buyer-09/XX/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Borrower 1 Business Bank Statements for October 2023 Missing - Due Diligence Vendor-09/XX/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/XX/2026 <br>Resolved-The lender provided the October Business Bank Statement. Finding resolved. - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | OR | Primary Residence | Purchase | NA | 5529896 | N/A | N/A |
| 900000364 | XX | XX |  |  | Closed | 2025-09-14 10:14 | 2025-10-02 14:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Purchase Contract | Resolved-Purchase contract signed by all parties provide along with DropBox Signature Audit Trail. Terms match the Final CD and notes from Appraiser on the Date, Sales Price, and Seller Concessions. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached, this is the full purchase contract. - Buyer-09/XX/2025 <br>Counter-The lender provided a single page document. The loan file is missing the Purchase Contract. Finding Remains. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached purchase agreement. - Buyer-09/XX/2025 <br>Open-Missing Purchase Contract - Due Diligence Vendor-09/XX/2025 |  | Resolved-Purchase contract signed by all parties provide along with DropBox Signature Audit Trail. Terms match the Final CD and notes from Appraiser on the Date, Sales Price, and Seller Concessions. Finding Resolved. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | OR | Primary Residence | Purchase | NA | 5529814 | N/A | N/A |
| 900000364 | XX | XX |  |  | Closed | 2025-09-14 10:50 | 2025-09-26 13:02 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Lender provided October Business Bank Stmt. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached bank statement. - Buyer-09/XX/2025 <br>Open-Borrower 1 Business Bank Statements Missing Borrower 1 Business Bank Statements for October 2023 Missing - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided October Business Bank Stmt. Finding Resolved. - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | OR | Primary Residence | Purchase | NA | 5529895 | N/A | N/A |
| 900000368 | XX | XX |  |  | Closed | 2025-07-10 10:51 | 2025-07-14 08:38 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Received Business Purpose & Occupancy Affidavit. Condition cleared. - Due Diligence Vendor-07/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. business purpose - Buyer-07/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Received Business Purpose & Occupancy Affidavit. Condition cleared. - Due Diligence Vendor-07/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | TX | Investment | Purchase | NA | 4766707 | N/A | N/A |
| 900000370 | XX | XX |  |  | Closed | 2025-10-07 10:16 | 2025-10-14 11:14 | Resolved | 1 - Information | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-10/XX/2025 <br> Resolved-Audited FICO of 677 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Loan is a XXXX using Asset based income. This is not a asset qualifier loan. - Investor-10/XX/2025 <br> Open-Audited FICO of 677 is less than Guideline FICO of 700 Asset Qualifier minimum FICO is 700 - Due Diligence Vendor-10/XX/2025 |  | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Audited FICO of 677 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-10/XX/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 5804114 | N/A | N/A |
| 900000370 | XX | XX |  |  | Closed | 2025-10-07 10:34 | 2025-10-14 11:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-10/XX/2025 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/XX/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Loan is a XXXX using Asset based income. This is not a asset qualifier loan. - Buyer-10/XX/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Asset qualifier requires prior 6-month statement to verify seasoning. - Due Diligence Vendor-10/XX/2025 |  | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/XX/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 5805050 | N/A | N/A |
| 900000370 | XX | XX |  |  | Closed | 2025-10-07 10:34 | 2025-10-14 11:14 | Resolved | 1 - Information | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-10/XX/2025 <br> Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Loan is a XXXX using Asset based income. This is not a asset qualifier loan. - Buyer-10/XX/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Asset qualifier requires prior 6-month statement to verify seasoning - Due Diligence Vendor-10/XX/2025 |  | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-10/XX/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 5805049 | N/A | N/A |
| 900000370 | XX | XX |  |  | Closed | 2025-10-07 10:22 | 2025-10-14 11:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-10/XX/2025 <br> Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Loan is a XXXX using Asset based income. This is not a asset qualifer loan. - Investor-10/XX/2025 <br> Open-ATR Risk - Credit History taken into consideration does not meet requirements FICO below GL minimum - Due Diligence Vendor-10/XX/2025 |  | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-10/XX/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 5804705 | N/A | N/A |
| 900000370 | XX | XX |  |  | Closed | 2025-10-07 10:19 | 2025-10-14 11:13 | Resolved | 1 - Information | Credit | Eligibility | Transaction Ineligible | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Loan is a XXXX using Asset based income. This is not a asset qualifier loan. - Buyer-10/XX/2025 <br> Open-Non-occupant co-borrower income is permitted on Asset Qualifier product - Due Diligence Vendor-10/XX/2025 |  | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-10/XX/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 5804566 | N/A | N/A |
| 900000382 | XX | XX |  |  | Closed | 2025-10-01 13:28 | 2025-10-07 09:51 | Resolved | 1 - Information | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Lender provided corrected Notary Acknowledgement. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. The notary had corrected the notary acknowledgement date, see attached. - Seller-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 <br>Open-The disclosed "Right to Cancel Expire Date" (2025-XX-05) is earlier than the system calculated "Right to Cancel Expire Date" (2025-XX-12). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) . - Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. The notary had corrected the notary acknowledgement date, see attached. - Seller-10/03/2025<br>| Resolved-Lender provided corrected Notary Acknowledgement. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5739441 | N/A | N/A |
| 900000382 | XX | XX |  |  | Closed | 2025-10-01 13:28 | 2025-10-07 09:51 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided corrected Notary Acknowledgement. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. The notary had corrected the notary acknowledgement date, see attached. - Buyer-10/XX/2025 <br>Open-The loan disbursement date (2025-XX-08) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2025-XX-12). 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 Deed of Trust notary dated 09/XX/2025. - Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided corrected Notary Acknowledgement. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5739442 | N/A | N/A |
| 900000382 | XX | XX |  |  | Closed | 2025-09-22 09:12 | 2025-10-07 09:30 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided June bank stmt. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached statement for June 2025. - Buyer-10/XX/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements June 2025 month's Bank statement for employment occasions by XXXX is not present on the file.<br> - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided June bank stmt. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5616829 | N/A | N/A |
| 900000382 | XX | XX |  |  | Closed | 2025-10-01 13:51 | 2025-10-07 09:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Bank Statements 1 (Borrower 1) | Resolved-Lender provided June bank stmt. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached statement for June 2025. - Investor-10/XX/2025 <br> Open-Guidelines require 12 months' bank statement to verify income. Bank statements are not in file for borrower account. Missing the 06/XX/2025 statement for account ending #XX - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided June bank stmt. Finding Resolved. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5739996 | N/A | N/A |
| 900000405 | XX | XX |  |  | Closed | 2025-09-17 07:41 | 2025-09-19 11:00 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure provided. Resolved - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. initial docs - Buyer-09/XX/2025 <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/XX/2025. Missing "What Mortgage Applicants Need to Know" Pamphlet - Due Diligence Vendor-09/XX/2025 |  | Resolved-Disclosure provided. Resolved - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 5565730 | N/A | N/A |
| 900000416 | XX | XX |  |  | Closed | 2025-09-22 06:14 | 2025-10-03 08:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for Primary Residence | Resolved-Received HOA doc. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Hoa - Buyer-10/XX/2025 <br>Open-Missing Evidence of HOA Dues for Primary Residence Unable to verify the HOA payment for primary residence. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Received HOA doc. Condition cleared. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | CO | Investment | Purchase | NA | 5614450 | N/A | N/A |
| 900000422 | XX | XX |  |  | Closed | 2025-09-23 10:19 | 2026-01-05 17:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/XX/2026 <br>Resolved-Lender provided June Bank Stmt. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. bank statement June 2024 - Buyer-10/XX/2025 <br>Open-ATR Risk - Employment validation/verification standards do not meet requirements We require 24 months bank statement, June 2024 bank statement is missing in the file. <br> - Due Diligence Vendor-09/XX/2025 |  | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/XX/2026 <br>Resolved-Lender provided June Bank Stmt. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | NJ | Primary Residence | Purchase | NA | 5634971 | N/A | N/A |
| 900000422 | XX | XX |  |  | Closed | 2025-09-23 12:39 | 2025-10-06 15:29 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Lender provided June Bank Stmt. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. june 2024 bank statement - Buyer-10/XX/2025 <br>Open-Income has calculated using 24 months bank statement, June 2024 bank statement is missing. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided June Bank Stmt. Finding Resolved. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | NJ | Primary Residence | Purchase | NA | 5638060 | N/A | N/A |
| Removed from deal | XX | XX |  |  | Closed | 2025-09-19 14:46 | 2025-09-25 05:32 | 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. - Due Diligence Vendor-09/XX/2025 |  | 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-09/XX/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 5606953 | Investor Post-Close | No |
| 900000452 | XX | XX |  |  | Closed | 2025-07-22 09:12 | 2025-07-29 16:09 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender guidelines allow for W9 for EIN verification, finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Guidelines allow for W-9 to verify EIN. - Investor-07/XX/2025 <br>Counter-Missing copy of EIN issued by IRS, finding maintained. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-W9 - Investor-07/XX/2025 <br>Open-Missing EIN for LLC. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Lender guidelines allow for W9 for EIN verification, finding resolved. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | VA | Investment | Purchase | NA | 4901773 | N/A | N/A |
| 900000452 | XX | XX |  |  | Closed | 2025-06-30 06:44 | 2025-07-11 12:15 | Resolved | 1 - Information | Credit | Missing Doc | The Final 1003 is Missing | Resolved-Lender provided executed Entity Loan Application. Condition cleared. <br> - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Investor-07/XX/2025 <br>Counter-The 1003 provided is not executed. Please provide executed final 1003. Condition remains. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Investor-07/XX/2025 <br>Open-The Final 1003 is Missing<br> - Due Diligence Vendor-06/XX/2025 |  | Resolved-Lender provided executed Entity Loan Application. Condition cleared. <br> - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | VA | Investment | Purchase | NA | 4599212 | N/A | N/A |
| 900000456 | XX | XX |  |  | Closed | 2025-09-16 09:05 | 2025-09-30 09:58 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Lender provided state issue driver's license. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached identification. - Buyer-09/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. Missing Borrower Identification - Borrower 1 - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided state issue driver's license. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | FL | Investment | Purchase | NA | 5550892 | N/A | N/A |
| 900000475 | XX | XX |  |  | Closed | 2025-09-23 06:03 | 2025-09-23 06:03 | Waived | 2 - Non-Material | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-As per GL, All non-permanent resident aliens must provide evidence of an acceptable Visa showing them to be legally present and eligible to work in the US. However, UW approved with the below exceptions, EAD/Visa/Green Card, Borrower currently has a C09 EAD expiring in XX. Case by case per guideline - Due Diligence Vendor-09/XX/2025 |  | Waived-As per GL, All non-permanent resident aliens must provide evidence of an acceptable Visa showing them to be legally present and eligible to work in the US. However, UW approved with the below exceptions, EAD/Visa/Green Card, Borrower currently has a C09 EAD expiring in XX. Case by case per guideline - Due Diligence Vendor-09/XX/2025 |  |  | Minimum FICO: 740 <br> Maximum DTI: 50 <br> Maximum LTV: 80 <br> Minimum Reserves: meeting, all compensator factors are met. | PA | Primary Residence | Purchase | NA | 5630776 | Originator Pre-Close | Yes |
| 900000487 | XX | XX |  |  | Closed | 2025-09-15 09:39 | 2025-09-15 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-09/XX/2025 |  | 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-09/XX/2025<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 5535013 | Investor Post-Close | No |
| 900000529 | XX | XX |  |  | Closed | 2025-10-03 09:15 | 2025-10-08 11:58 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided Initial Disclosure Tracking with proof of delivery for Initial Closing Disclosure. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial CD audit trail showing borrower viewed the document on 09-XX-25. - Buyer-10/XX/2025 <br>Open-The Initial Closing Disclosure was provided on (2025-XX-18) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-XX-22). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-XX-22), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250915), for consummation to occur on (2025-XX-22). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 09/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 09/XX/2025. No Cure. - Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided Initial Disclosure Tracking with proof of delivery for Initial Closing Disclosure. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 5765069 | N/A | N/A |
| 900000531 | XX | XX |  |  | Closed | 2025-10-08 11:14 | 2025-10-08 11:14 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-FTHB purchasing second home. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-10/XX/2025 |  | Waived-FTHB purchasing second home. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-10/XX/2025<br>|  |  | FICO 799<br> DTI 35 <br> LTV 80 | OR | Second Home | Purchase | NA | 5822638 | Originator Pre-Close | Yes |
| 900000540 | XX | XX |  |  | Closed | 2025-10-06 10:24 | 2025-10-13 14:37 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided 'What Mortgage Applicants Need to Know' pamphlet which is within 3 days of the application date. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Lender provided evidence "What Mortgage Applicants Need to Know" Pamphlet was provided timely to the borrower. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 <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-10/XX/2025 <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/XX/2025. Missing "What Mortgage Applicants Need to Know" Pamphlet - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided 'What Mortgage Applicants Need to Know' pamphlet which is within 3 days of the application date. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Lender provided evidence "What Mortgage Applicants Need to Know" Pamphlet was provided timely to the borrower. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 5784620 | N/A | N/A |
| 900000546 | XX | XX |  |  | Closed | 2025-10-03 11:20 | 2025-10-16 10:58 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Lender provided exception approval for max LTV of 80%. Finding waived. EV 2.<br> - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Finding invalid. Per the exception request, the exception request was for a LTV of 79%, however the approval given was a max LTV of 80%. - Investor-10/XX/2025 <br>Counter-Lender provided the same lender exception as previously reviewed in the loan file. The Lender exception allows for LTV 79%. Subject transaction is 80%. Lender exception is not valid. Finding Remain - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. sle - Investor-10/XX/2025 <br>Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% A lender exception is present in the loan file, allows for CLTV 79%. Subject transaction is 80% - Due Diligence Vendor-10/XX/2025 |  | Waived-Lender provided exception approval for max LTV of 80%. Finding waived. EV 2.<br> - Due Diligence Vendor-10/XX/2025<br>| XX |  | FICO 773<br> DTI 35<br> Reserves $100,000 | AZ | Investment | Refinance | Cash Out - Other | 5768453 | Originator Post-Close | Yes |
| 900000546 | XX | XX |  |  | Closed | 2025-10-03 11:20 | 2025-10-16 10:57 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Lender provided exception approval for max LTV of 80%. Finding waived. EV 2.<br> - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Finding invalid. Per the exception request, the exception request was for a LTV of 79%, however the approval given was a max LTV of 80%. - Buyer-10/XX/2025 <br>Counter-Lender provided the same lender exception as previously reviewed in the loan file. The Lender exception allows for LTV 79%. Subject transaction is 80%. Lender exception is not valid. Finding Remain - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. sle - Investor-10/XX/2025 <br>Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% A lender exception is present in the loan file, allows for CLTV 79%. Subject transaction is 80% - Due Diligence Vendor-10/XX/2025 |  | Waived-Lender provided exception approval for max LTV of 80%. Finding waived. EV 2.<br> - Due Diligence Vendor-10/XX/2025<br>| XX |  | Fico 773<br> DTI 35<br> Reserves $100,000 | AZ | Investment | Refinance | Cash Out - Other | 5768452 | Originator Post-Close | Yes |
| 900000546 | XX | XX |  |  | Closed | 2025-10-03 11:20 | 2025-10-16 10:57 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender provided exception approval for max LTV of 80%. Finding waived. EV 2. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Finding invalid. Per the exception request, the exception request was for a LTV of 79%, however the approval given was a max LTV of 80%. - Investor-10/XX/2025 <br>Counter-Lender provided the same lender exception as previously reviewed in the loan file. The Lender exception allows for LTV 79%. Subject transaction is 80%. Lender exception is not valid. Finding Remains. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. sle - Buyer-10/XX/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% A lender exception is present in the loan file, allows for LTV 79%. Subject transaction is 80% <br> - Due Diligence Vendor-10/XX/2025 |  | Waived-Lender provided exception approval for max LTV of 80%. Finding waived. EV 2. - Due Diligence Vendor-10/XX/2025<br>| XX |  | FICO 773<br> DTI 35<br> Reserves $100,000 | AZ | Investment | Refinance | Cash Out - Other | 5768454 | Originator Post-Close | Yes |
| 900000553 | XX | XX |  |  | Closed | 2025-09-19 05:57 | 2025-10-02 15:05 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Received Borrower's Final Settlement Statement, stamped True & Certified, with a disbursement date of 08/XX/2025. Along with a letter to the borrower and PCCD reflecting the 08/XX/2025 disbursement date. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached final settlement statement and PCCD showing disbursement date of 08-XX-25. - Buyer-09/XX/2025 <br>Open-The loan disbursement date (2025-XX-27) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2025-XX-27). 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 (2025-XX-27) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2025-XX-27). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. - Due Diligence Vendor-09/XX/2025 <br>Open-XX- Due Diligence Vendor-09/XX/2025 <br>Open-XX- Due Diligence Vendor-09/XX/2025 <br>Open-XX- Due Diligence Vendor-09/XX/2025 <br>Open-XX- Due Diligence Vendor-09/XX/2025 |  | Resolved-Received Borrower's Final Settlement Statement, stamped True & Certified, with a disbursement date of 08/XX/2025. Along with a letter to the borrower and PCCD reflecting the 08/XX/2025 disbursement date. Finding Resolved. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5596918 | N/A | N/A |
| 900000557 | XX | XX |  |  | Closed | 2025-09-26 16:18 | 2026-01-02 10:45 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-This finding is deemed non-material and rated EV2 - Due Diligence Vendor-01/XX/2026 <br>Open-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-09/XX/2025 |  | Acknowledged-This finding is deemed non-material and rated EV2 - Due Diligence Vendor-01/XX/2026<br>|  |  |  | TN | Primary Residence | Purchase | NA | 5692266 | Investor Post-Close | No |
| 900000557 | XX | XX |  |  | Closed | 2025-09-22 11:27 | 2026-01-02 10:44 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-This finding is deemed non-material and rated EV2 - Due Diligence Vendor-01/XX/2026 <br>Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete - Due Diligence Vendor-09/XX/2025 |  | Acknowledged-This finding is deemed non-material and rated EV2 - Due Diligence Vendor-01/XX/2026<br>|  |  |  | TN | Primary Residence | Purchase | NA | 5620505 | Investor Post-Close | No |
| 900000557 | XX | XX |  |  | Closed | 2025-09-22 13:36 | 2025-09-22 13:36 | 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. - Due Diligence Vendor-09/XX/2025 |  | 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-09/XX/2025<br>|  |  |  | TN | Primary Residence | Purchase | NA | 5623135 | Investor Post-Close | No |
| 900000565 | XX | XX |  |  | Closed | 2025-10-06 08:53 | 2025-10-06 08:53 | Waived | 2 - Non-Material | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Borrower has less than 2 years self-employment history with same business. However, Lender Provided exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 |  | Waived-Borrower has less than 2 years self-employment history with same business. However, Lender Provided exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025<br>|  |  | 1.526M in reserves (36K in personal account for min reserve requirement & $1,500,000 in business account that he is 100% owner) <br> -640K loan amount <br> -762 FICO <br> -45K monthly income w/50% expense factor (see XX-will get income worksheet once this exception is approved) <br> -18% DTI <br> - Similar line of work for 5+ years <br> - primary residence purchase | UT | Primary Residence | Purchase | NA | 5782179 | Originator Pre-Close | Yes |
| 900000580 | XX | XX |  |  | Closed | 2025-09-19 10:42 | 2025-09-23 15:17 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Transaction is ineligible due to 12 NSFs disclosed on the bank statements in the past 12 months. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/XX/2025 |  | Waived-Transaction is ineligible due to 12 NSFs disclosed on the bank statements in the past 12 months. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/XX/2025<br>|  |  | Below parameters are met:<br> Minimum FICO: 664 <br> Maximum DTI: 45 <br> Maximum LTV: 70 <br> Minimum Reserves: $24,000 | OH | Primary Residence | Purchase | NA | 5602745 | Originator Pre-Close | Yes |
| 900000584 | XX | XX |  |  | Closed | 2025-10-03 09:51 | 2026-01-06 10:59 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-01/XX/2026 <br>Resolved-XX-6 Insurance Policy is fully present with walls in coverage. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached master policy, it indicates the policy has walls in coverage. - Buyer-10/XX/2025 <br>Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Required document for verifying subject property HOI amount - Due Diligence Vendor-10/XX/2025 |  | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-01/XX/2026 <br>Resolved-XX-6 Insurance Policy is fully present with walls in coverage. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | MD | Primary Residence | Purchase | NA | 5765876 | N/A | N/A |
| 900000584 | XX | XX |  |  | Closed | 2025-10-03 09:45 | 2026-01-02 11:01 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 52.88% exceeds Guideline DTI of 50% Lender provided approved exception for exceeding DTI. Hence audited finding added for exceeding DTI - Due Diligence Vendor-10/XX/2025 |  | Waived-Audited DTI of 52.88% exceeds Guideline DTI of 50% Lender provided approved exception for exceeding DTI. Hence audited finding added for exceeding DTI - Due Diligence Vendor-10/XX/2025<br>|  |  | Minimum FICO:760, Maximum DTI: 55, Maximum LTV 80, Minimum Reserves: $150,000 | MD | Primary Residence | Purchase | NA | 5765667 | Originator Pre-Close | Yes |
| 900000584 | XX | XX |  |  | Closed | 2025-10-06 12:40 | 2025-10-08 11:47 | Resolved | 1 - Information | Credit | Missing Doc | HO6 Insurance Policy is Missing | Resolved-XX-6 Insurance Policy is fully present with walls in coverage. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached master policy, it indicates the policy has walls in coverage. - Buyer-10/XX/2025 <br>Open-Missing HO-6 Insurance Policy - Due Diligence Vendor-10/XX/2025 |  | Resolved-XX-6 Insurance Policy is fully present with walls in coverage. Finding Resolved. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | MD | Primary Residence | Purchase | NA | 5788781 | N/A | N/A |
| 900000606 | XX | XX |  |  | Closed | 2025-09-16 08:56 | 2025-09-29 18:51 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 <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-09/XX/2025 <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/XX/2025. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 5550703 | N/A | N/A |
| 900000610 | XX | XX |  |  | Closed | 2025-09-23 08:46 | 2026-01-06 11:00 | 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-10/XX/2025 <br>Ready for Review-Document Uploaded. HOA for 2 bedroom L - Buyer-10/XX/2025 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing documentation to confirm monthly HOA payment for property disclosed on line 3B of the final loan application. - Due Diligence Vendor-09/XX/2025 |  | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | DC | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5632858 | N/A | N/A |
| 900000610 | XX | XX |  |  | Closed | 2025-09-23 10:02 | 2025-10-03 08:26 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received HOA doc. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. hoa for 2 bedroom large - Buyer-10/XX/2025 <br>Open-Missing documentation to confirm monthly HOA payment for property disclosed on line 3B of the final loan application. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Received HOA doc. Condition cleared. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | DC | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5634629 | N/A | N/A |
| 900000627 | XX | XX |  |  | Closed | 2025-09-17 10:08 | 2025-09-23 07:45 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Photo ID Provided. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached ID. - Buyer-09/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Photo ID Provided. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | OH | Investment | Purchase | NA | 5568625 | N/A | N/A |
| 900000633 | XX | XX |  |  | Closed | 2025-10-01 12:23 | 2025-10-03 06:40 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements FTHB borrower with 1x30 housing history 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-10/XX/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements FTHB borrower with 1x30 housing history 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-10/XX/2025<br>|  |  | Minimum FICO: 770 <br> Maximum DTI: 30 <br> Maximum LTV: 80 <br> Minimum Reserves: $36,000 | FL | Primary Residence | Purchase | NA | 5737811 | Originator Pre-Close | Yes |
| 900000639 | XX | XX |  |  | Closed | 2025-09-25 04:17 | 2025-10-08 10:19 | Resolved | 1 - Information | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Lender provided bill of sale for sale of motor vehicle. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. sale of mclarin - Buyer-10/XX/2025 <br>Open-Missing supporting documentation for large deposit of $136,467.64 on 06/25 - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided bill of sale for sale of motor vehicle. Finding Resolved. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | CA | Investment | Purchase | NA | 5666473 | N/A | N/A |
| 900000639 | XX | XX |  |  | Closed | 2025-09-24 20:51 | 2025-09-24 22:33 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements SLE approved subject to no rental income to qualify and Exception Type: Credit: Housing Payment History and <br> Details: FTHB living Rent free purchasing an investment. - Due Diligence Vendor-09/XX/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements SLE approved subject to no rental income to qualify and Exception Type: Credit: Housing Payment History and <br> Details: FTHB living Rent free purchasing an investment. - Due Diligence Vendor-09/XX/2025<br>|  |  | Minimum FICO: 702 <br> Maximum DTI: 30 <br> Maximum LTV: 75 <br> Minimum Reserves: 12,000 | CA | Investment | Purchase | NA | 5664876 | Originator Pre-Close | Yes |
| 900000639 | XX | XX |  |  | Closed | 2025-09-24 22:18 | 2025-09-24 22:18 | 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-09/XX/2025 |  | 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-09/XX/2025<br>|  |  |  | CA | Investment | Purchase | NA | 5665144 | Investor Post-Close | No |
| 900000649 | XX | XX |  |  | Closed | 2025-09-09 10:52 | 2025-09-16 12:21 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Condo Questionnaire provided. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached condo questionnaire. - Buyer-09/XX/2025 <br>Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply.<br> The Condo Questionnaire is missing from the loan file. Additional conditions may apply.<br> - Due Diligence Vendor-09/XX/2025 |  | Resolved-Condo Questionnaire provided. Finding Resolved. - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | MD | Primary Residence | Purchase | NA | 5467674 | N/A | N/A |
| 900000678 | XX | XX |  |  | Closed | 2025-09-22 10:42 | 2025-10-07 10:07 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided Initial Closing Disclosure. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-XX- Due Diligence Vendor-10/XX/2025 <br>Resolved-XX- Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. signed ICD 082625 - Buyer-10/XX/2025 <br>Open-The Initial Closing Disclosure Received Date of (2025-XX-29) is not three business days before the consummation date of (2025-XX-29). Three business days before the consummation date is (20250826). 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)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-09/XX/2025 <br>Open-XX- Due Diligence Vendor-09/XX/2025 <br>Open-XX- Due Diligence Vendor-09/XX/2025 <br>Open-XX- Due Diligence Vendor-09/XX/2025 <br>Open-XX- Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided Initial Closing Disclosure. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved- - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | AL | Primary Residence | Purchase | NA | 5619678 | N/A | N/A |
| 900000684 | XX | XX |  |  | Closed | 2025-09-15 12:30 | 2025-09-24 07:41 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. initial docs - Buyer-09/XX/2025 <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/XX/2025. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 5539690 | N/A | N/A |
| 900000705 | XX | XX |  |  | Closed | 2025-10-13 11:23 | 2025-10-16 12:43 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached Business Purpose Certificate. - Buyer-10/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Business Purpose Affidavit provided. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | FL | Investment | Purchase | NA | 5873424 | N/A | N/A |
| 900000711 | XX | XX |  |  | Closed | 2025-09-17 09:28 | 2025-10-13 15:28 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided evidence the borrower accessed the closing package with the ICD on 08/XX/2025. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br> Resolved-Resolved - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-There is no issue with receipt of the initial CD, as the primary borrower received and signed on 8/XX/2025 and the XX. This is a purchase, so the initial CD only has to be received by 1 borrower, and the mailing of the package does not void the borrower's signature on the 26th. - Buyer-10/XX/2025 <br> Counter-Lender provided Initial Closing Disclosure package and disclosure tracker that indicates the Initial Package was sent via USPS on 08/XX/2025. Three day delivery is 08/XX/2025 which is the same as consummation date. Finding remains. - Due Diligence Vendor-10/XX/2025 <br> Open-XX- Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. sent via usps - Buyer-09/XX/2025 <br> Open-The Initial Closing Disclosure Received Date of (2025-XX-29) is not three business days before the consummation date of (2025-XX-29). Three business days before the consummation date is (20250826). 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)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-09/XX/2025 <br> Open-XX- Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided evidence the borrower accessed the closing package with the ICD on 08/XX/2025. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 5567660 | N/A | N/A |
| 900000722 | XX | XX |  |  | Closed | 2025-10-02 23:08 | 2025-10-14 11:53 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 75% exceeds Guideline HCLTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 |  | Waived-Audited HLTV of 75% exceeds Guideline HCLTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025<br>|  |  | 717 FICO > 700 minimum, 1.5% DSCR > 1.0% minimum, $25,000 reserves > 6 months min required | OH | Investment | Refinance | Cash Out - Other | 5761273 | Originator Pre-Close | Yes |
| 900000722 | XX | XX |  |  | Closed | 2025-10-02 23:08 | 2025-10-14 11:52 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 |  | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025<br>|  |  | 717 FICO > 700 minimum, 1.5% DSCR > 1.0% minimum, $25,000 reserves > 6 months min required | OH | Investment | Refinance | Cash Out - Other | 5761272 | Originator Pre-Close | Yes |
| 900000722 | XX | XX |  |  | Closed | 2025-10-02 23:08 | 2025-10-14 11:51 | 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-10/XX/2025 |  | 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-10/XX/2025 |  |  | 717 FICO > 700 minimum, 1.5% DSCR > 1.0% minimum, $25,000 reserves > 6 months min required | OH | Investment | Refinance | Cash Out - Other | 5761274 | Originator Pre-Close | Yes |
| 900000722 | XX | XX |  |  | Closed | 2025-10-02 23:08 | 2025-10-14 11:51 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025<br>|  |  | 717 FICO > 700 minimum, 1.5% DSCR > 1.0% minimum, $25,000 reserves > 6 months min required | OH | Investment | Refinance | Cash Out - Other | 5761275 | Originator Pre-Close | Yes |
| 900000728 | XX | XX |  |  | Closed | 2025-09-11 08:16 | 2025-09-18 16:19 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 <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-09/XX/2025 <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/XX/2025. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | NY | Investment | Purchase | NA | 5497666 | N/A | N/A |
| 900000729 | XX | XX |  |  | Closed | 2025-09-22 12:41 | 2025-10-01 13:38 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided proof of e-delivery for ICD. Finding resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached ICD audit trail showing that the borrower viewed the 08-22 CD on 08-XX-25. - Buyer-09/XX/2025 <br>Open-The Initial Closing Disclosure was provided on (2025-XX-22) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-XX-27). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-XX-26), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250820), for consummation to occur on (2025-XX-27). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 08/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 08/XX/025. No Cure. - Due Diligence Vendor-09/XX/2025 <br>Open-XX- Due Diligence Vendor-09/XX/2025 <br>Open-XX- Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided proof of e-delivery for ICD. Finding resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | FL | Primary Residence | Purchase | NA | 5621960 | N/A | N/A |
| 900000729 | XX | XX |  |  | Closed | 2025-09-22 05:18 | 2025-09-26 06:32 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Open-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-09/XX/2025 |  |  |  |  |  | FL | Primary Residence | Purchase | NA | 5614022 | Investor Post-Close | No |
| 900000735 | XX | XX |  |  | Closed | 2025-09-26 12:24 | 2025-10-10 09:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Master Insurance Policy | Resolved-Condo Master Policy provided. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. master policy - Buyer-10/XX/2025 <br>Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-09/XX/2025 |  | Resolved-Condo Master Policy provided. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | CO | Second Home | Purchase | NA | 5688577 | N/A | N/A |
| 900000764 | XX | XX |  |  | Closed | 2025-09-10 05:16 | 2026-01-05 14:00 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Sufficient assets present in the loan file to satisfy the reserve requirement. Resolved. - Due Diligence Vendor-09/XX/2025 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/XX/2025 <br> Ready for Review-asset worksheet attached showing sufficient reserves, please advise - Buyer-09/XX/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $XX is less than Total Required Reserve Amount of $75783.44 - Due Diligence Vendor-09/XX/2025 |  | Resolved-Sufficient assets present in the loan file to satisfy the reserve requirement. Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/XX/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 5478506 | N/A | N/A |
| 900000764 | XX | XX |  |  | Closed | 2025-09-10 05:11 | 2025-12-17 16:28 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Sufficient assets present in the loan file to satisfy the reserve requirement. Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Audited Reserves of 11.15 month(s) are greater than or equal to Guideline Required Reserves of 8 month(s) - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. asset worksheet attached showing sufficient reserves, please advise - Investor-09/XX/2025 <br>Open-Audited Reserves of 7 month(s) are less than Guideline Required Reserves of 8 month(s) - Due Diligence Vendor-09/XX/2025 |  | Resolved-Sufficient assets present in the loan file to satisfy the reserve requirement. Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Audited Reserves of 11.15 month(s) are greater than or equal to Guideline Required Reserves of 8 month(s) - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | GA | Primary Residence | Purchase | NA | 5478485 | N/A | N/A |
| 900000764 | XX | XX |  |  | Closed | 2025-09-10 05:12 | 2025-09-19 12:46 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Sufficient assets present in the loan file to satisfy the reserve requirement. Resolved. - Due Diligence Vendor-09/XX/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XX is equal to or greater than Total Required Reserve Amount of $75783.44 - Due Diligence Vendor-09/XX/2025 <br> Ready for Review-asset worksheet attached showing sufficient reserves, please advise - Investor-09/XX/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $66303.19 is less than Total Required Reserve Amount of $75783.44 - Due Diligence Vendor-09/XX/2025 |  | Resolved-Sufficient assets present in the loan file to satisfy the reserve requirement. Resolved. - Due Diligence Vendor-09/XX/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XX is equal to or greater than Total Required Reserve Amount of $75783.44 - Due Diligence Vendor-09/XX/2025 |  |  |  | GA | Primary Residence | Purchase | NA | 5478490 | N/A | N/A |
| 900000768 | XX | XX |  |  | Closed | 2025-10-15 09:33 | 2025-10-17 08:25 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Lender provided Credit Supplement. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached mortgage statement and a copy of the credit supplement showing 12 months of payments on the mortgage for the primary residence. - Buyer-10/XX/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. 11 months housing history/VOM missing for Subject Property. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided Credit Supplement. Finding Resolved. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | NY | Investment | Refinance | No Cash Out - Borrower Initiated | 5900661 | N/A | N/A |
| 900000775 | XX | XX |  |  | Closed | 2025-09-24 11:07 | 2025-09-24 11:08 | 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-09/XX/2025 |  | 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-09/XX/2025<br>|  |  |  | CA | Investment | Purchase | NA | 5656894 | Investor Post-Close | No |
| 900000781 | XX | XX |  |  | Closed | 2025-09-23 12:29 | 2025-09-29 18:48 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. initial docs - Buyer-09/XX/2025 <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/XX/2025. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | NY | Investment | Refinance | Cash Out - Other | 5637850 | N/A | N/A |
| 900000817 | XX | XX |  |  | Closed | 2025-09-09 14:43 | 2025-09-09 14:43 | 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-09/XX/2025 |  | 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-09/XX/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 5472401 | Investor Post-Close | No |
| Removed from deal | XX | XX |  |  | Seller | 2026-01-05 21:32 | 2026-01-05 22:00 | Resolved | 1 - Information | Property | Third Party Valuation | Secondary valuation product is not within tolerance | Resolved-Received the desk review to support the appraisal value with 0% variance. Finding Resolved. - Due Diligence Vendor-01/XX/2026 <br> Open-The Appraisal value is $XX with an effective dated 08/XX/2025 compared to the Desk Review dated 07/XX/2025, which was for an appraisal completed prior to the application date. Please provide the desk review to support the appraisal dated 08/XX/2025 - Due Diligence Vendor-01/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached CDA. - Buyer-01/XX/2026 |  | Resolved-Received the desk review to support the appraisal value with 0% variance. Finding Resolved. - Due Diligence Vendor-01/XX/2026<br>| XX |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | 6926963 | N/A | N/A |
| 900000827 | XX | XX |  |  | Closed | 2025-09-16 12:27 | 2025-09-19 14:13 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Copy of ID received, condition cleared. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. DL - Buyer-09/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Copy of ID received, condition cleared. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | MI | Investment | Purchase | NA | 5556371 | N/A | N/A |
| 900000839 | XX | XX |  |  | Closed | 2025-09-10 11:28 | 2025-09-10 11:29 | 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-09/XX/2025 |  | 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-09/XX/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 5486152 | Originator Pre-Close | No |
| 900000850 | XX | XX |  |  | Closed | 2025-10-01 10:17 | 2025-10-01 10:18 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Investment property cash-out refinance with borrower living rent free. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Investment property cash-out refinance with borrower living rent free. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025<br>|  |  | Minimum FICO: 689 <br> Maximum DTI: 35 <br> Maximum LTV: 50 <br> Minimum Reserves: $50,000 | FL | Investment | Refinance | Cash Out - Other | 5734717 | Originator Pre-Close | Yes |
| 900000859 | XX | XX |  |  | Closed | 2025-10-07 09:24 | 2026-01-05 14:03 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided REO Hazard premium. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached hazard policy. - Buyer-10/XX/2025 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing Evidence of Insurance premium amount for property 3b on final application. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided REO Hazard premium. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 5802047 | N/A | N/A |
| 900000859 | XX | XX |  |  | Closed | 2025-10-07 09:18 | 2025-10-14 09:34 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Lender provided REO Hazard premium. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached hazard policy. - Buyer-10/XX/2025 <br>Open-Missing Evidence of Insurance premium amount for property 3b on final application. Declaration page in file does not reflect the premium - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided REO Hazard premium. Finding Resolved. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 5801924 | N/A | N/A |
| 900000861 | XX | XX |  |  | Closed | 2025-10-06 12:30 | 2025-10-13 14:33 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached COC. - Investor-10/XX/2025 <br>Open-A Lender Credit for Excess Charges of ($19.95), 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 ($109.95) 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. Collateral Desktop Analysis on CD dated 09/XX/2025 is $90. LE dated 07/XX/2025 lists fee as $0. This fee is in a 0% tolerance section. Lender tolerance cure of $90 is required. Section J reflects $19.50 tolerance cure that is insufficient as it was applied to the tolerance cure for the HOA Handling Fee. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | MA | Investment | Refinance | Cash Out - Other | 5788425 | N/A | N/A |
| 900000861 | XX | XX |  |  | Closed | 2025-10-06 12:30 | 2025-10-13 14:33 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached COC. - Buyer-10/XX/2025 <br>Open-A Lender Credit for Excess Charges of ($19.95), 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 ($109.95) 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. Collateral Desktop Analysis on CD dated 09/XX/2025 is $90. LE dated 07/XX/2025 lists fee as $0. This fee is in a 0% tolerance section. Lender tolerance cure of $90 is required. Section J reflects $19.50 tolerance cure that is insufficient as it was applied to the tolerance cure for the HOA Handling Fee. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | MA | Investment | Refinance | Cash Out - Other | 5788424 | N/A | N/A |
| 900000866 | XX | XX |  |  | Closed | 2025-09-18 11:04 | 2025-09-18 11:04 | 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-09/XX/2025 |  | 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-09/XX/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 5587505 | Investor Post-Close | No |
| 900000877 | XX | XX |  |  | Closed | 2025-09-23 09:26 | 2025-10-03 09:30 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided pamphlet. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. initial docs - Buyer-10/XX/2025 <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/XX/2025. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided pamphlet. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025<br>| XX |  |  | NY | Investment | Purchase | NA | 5633738 | N/A | N/A |
| 900000890 | XX | XX |  |  | Closed | 2025-09-17 10:45 | 2025-09-29 18:41 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-09/XX/2025 <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/XX/2025.<br> - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided pamphlet within 3 days of application. Finding Resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | NY | Investment | Purchase | NA | 5570363 | N/A | N/A |
| 900000897 | XX | XX |  |  | Closed | 2025-10-06 12:18 | 2025-10-06 12:18 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of $XX is greater than the Guideline Maximum Loan Amount of $2000000. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors.<br> - Due Diligence Vendor-10/XX/2025 |  | Waived-Audited Loan Amount of $XX is greater than the Guideline Maximum Loan Amount of $2000000. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors.<br> - Due Diligence Vendor-10/XX/2025 |  |  | Minimum FICO: 746 <br> Maximum DTI: 46 <br> Maximum LTV: 66 <br> Minimum Reserves: 240,000 | CA | Primary Residence | Refinance | Cash Out - Other | 5788146 | Originator Pre-Close | Yes |
| 900000904 | XX | XX |  |  | Closed | 2025-10-17 07:32 | 2025-10-17 07:37 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 54% exceeds Guideline LTV of 50% when cash-out amount exceeds $750,000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 |  | Waived-Audited LTV of 54% exceeds Guideline LTV of 50% when cash-out amount exceeds $750,000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025<br>|  |  | Minimum FICO: 770 <br> Maximum DTI: 50 <br> Maximum LTV: 55 <br> Minimum Reserves: meeting | FL | Primary Residence | Refinance | Cash Out - Other | 5928555 | Originator Pre-Close | Yes |
| 900000925 | XX | XX |  |  | Closed | 2025-09-19 10:12 | 2025-09-30 09:51 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided mtg stmt. Finding Resolved - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached mortgage statement. - Buyer-09/XX/2025 <br>Open-Mortgage statement is missing for the REO property 3d final 1003. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided mtg stmt. Finding Resolved - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | TX | Investment | Purchase | NA | 5601074 | N/A | N/A |
| 900000950 | XX | XX |  |  | Closed | 2025-09-23 04:31 | 2025-09-23 04:31 | 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-09/XX/2025 |  | 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-09/XX/2025<br>|  |  |  | NY | Primary Residence | Purchase | NA | 5630237 | Investor Post-Close | No |
| 900000954 | XX | XX |  |  | Closed | 2025-09-22 08:22 | 2025-09-22 08:22 | 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-09/XX/2025 |  | 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-09/XX/2025<br>|  |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5615967 | Investor Post-Close | No |
| 900000958 | XX | XX |  |  | Closed | 2025-07-14 12:23 | 2025-07-17 13:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. payoff - Buyer-07/XX/2025 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/XX/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/XX/2025<br>| XX |  |  | NC | Investment | Refinance | Cash Out - Other | 4807927 | N/A | N/A |
| 900000969 | XX | XX |  |  | Closed | 2025-09-12 12:17 | 2025-09-17 14:52 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Documentation received, finding resolved - Due Diligence Vendor-09/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached Business Purpose Affidavit. - Buyer-09/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-09/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-09/XX/2025<br>| XX |  |  | FL | Investment | Purchase | NA | 5519018 | N/A | N/A |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 5**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Marketing ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 900000009 | XX |  |  | XX | Note Date | notePage | XX | XX | Audit Value Pulled From Note. |
| 900000011 | XX |  |  | XX | CLTV | propertyValuationPage | 70.64 | 0.71 | Audit value pulled from documents located in the loan file. |
| 900000014 | XX |  |  | XX | CLTV | propertyValuationPage | 78.4 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000017 | XX |  |  | XX | CLTV | propertyValuationPage | 66.59 | 0.70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000018 | XX |  |  | XX | CLTV | propertyValuationPage | 23.03 | 0.23 | Audit value of 1st Lien + 2nd Lien / Qualifying Value |
| 900000020 | XX |  |  | XX | CLTV | propertyValuationPage | 58.29 | 0.70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000022 | XX |  |  | XX | CLTV | propertyValuationPage | 84.96 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000030 | XX |  |  | XX | CLTV | propertyValuationPage | 87.3 | 0.90 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000032 | XX |  |  | XX | CLTV | propertyValuationPage | 78.75 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000035 | XX |  |  | XX | CLTV | propertyValuationPage | 68.1 | 0.69 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000037 | XX |  |  | XX | CLTV | propertyValuationPage | 66.5 | 0.66 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000038 | XX |  |  | XX | CLTV | propertyValuationPage | 56.34 | 0.57 | Audit value pulled from documents located in the loan file. |
| 900000039 | XX |  |  | XX | CLTV | propertyValuationPage | 65.04 | 0.65 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000043 | XX |  |  | XX | CLTV | propertyValuationPage | 35.89 | 0.36 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000044 | XX |  |  | XX | CLTV | propertyValuationPage | 73.36 | 0.74 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000048 | XX |  |  | XX | CLTV | propertyValuationPage | 74.63 | 0.75 | Audit value based on documents located in the loan file. |
| 900000051 | XX |  |  | XX | CLTV | propertyValuationPage | 73.41 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000052 | XX |  |  | XX | CLTV | propertyValuationPage | 66.48 | 0.67 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000055 | XX |  |  | XX | CLTV | propertyValuationPage | 77.94 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 900000056 | XX |  |  | XX | CLTV | propertyValuationPage | 73.94 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000065 | XX |  |  | XX | CLTV | propertyValuationPage | 78.8 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000066 | XX |  |  | XX | CLTV | propertyValuationPage | 32.35 | 0.32 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000068 | XX |  |  | XX | CLTV | propertyValuationPage | 27.56 | 0.28 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000077 | XX |  |  | XX | CLTV | propertyValuationPage | 78.74 | 0.80 | Audit value pulled from documents located in the loan file. |
| 900000085 | XX |  |  | XX | Sales Price | propertyValuationPage | XX | XX | Audit Value Pulled From Purchase Contract / Final CD. |
| 900000085 | XX |  |  | XX | CLTV | propertyValuationPage | 69.44 | 0.70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000090 | XX |  |  | XX | CLTV | propertyValuationPage | 78.92 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000098 | XX |  |  | XX | CLTV | propertyValuationPage | 79.71 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000101 | XX |  |  | XX | CLTV | propertyValuationPage | 71.76 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000102 | XX |  |  | XX | CLTV | propertyValuationPage | 64.13 | 0.65 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000106 | XX |  |  | XX | CLTV | propertyValuationPage | 77.71 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000109 | XX |  |  | XX | CLTV | propertyValuationPage | 79.56 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 900000112 | XX |  |  | XX | CLTV | propertyValuationPage | 74.29 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000113 | XX |  |  | XX | CLTV | propertyValuationPage | 58.99 | 0.59 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000115 | XX |  |  | XX | CLTV | propertyValuationPage | 75.62 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000120 | XX |  |  | XX | CLTV | propertyValuationPage | 78.63 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000121 | XX |  |  | XX | CLTV | propertyValuationPage | 88.21 | 0.90 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 900000125 | XX |  |  | XX | CLTV | propertyValuationPage | 64.91 | 0.65 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000130 | XX |  |  | XX | CLTV | propertyValuationPage | 61.62 | 0.62 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000132 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000132 | XX |  |  | XX | CLTV | propertyValuationPage | 78.73 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000137 | XX |  |  | XX | CLTV | propertyValuationPage | 76.5 | 0.80 | <br> Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000138 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Note. |
| 900000138 | XX |  |  | XX | CLTV | propertyValuationPage | 77.4 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000141 | XX |  |  | XX | CLTV | propertyValuationPage | 79.97 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000145 | XX |  |  | XX | CLTV | propertyValuationPage | 47.49 | 0.47 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000148 | XX |  |  | XX | CLTV | propertyValuationPage | 49.47 | 0.50 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000149 | XX |  |  | XX | CLTV | propertyValuationPage | 69.67 | 0.70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000153 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000153 | XX |  |  | XX | CLTV | propertyValuationPage | 77.19 | 0.79 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000155 | XX |  |  | XX | CLTV | propertyValuationPage | 75.24 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000164 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000164 | XX |  |  | XX | CLTV | propertyValuationPage | 77.39 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000165 | XX |  |  | XX | CLTV | propertyValuationPage | 68.7 | 0.69 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000169 | XX |  |  | XX | CLTV | propertyValuationPage | 74.5 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000170 | XX |  |  | XX | CLTV | propertyValuationPage | 79.1 | 0.80 | Audit value pulled from documents located in the loan file. |
| 900000173 | XX |  |  | XX | CLTV | propertyValuationPage | 83.22 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000181 | XX |  |  | XX | CLTV | propertyValuationPage | 57.8 | 0.58 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000183 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000183 | XX |  |  | XX | CLTV | propertyValuationPage | 77.12 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000197 | XX |  |  | XX | CLTV | propertyValuationPage | 74.98 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000200 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000200 | XX |  |  | XX | CLTV | propertyValuationPage | 74.22 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000201 | XX |  |  | XX | CLTV | propertyValuationPage | 79.98 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000202 | XX |  |  | XX | CLTV | propertyValuationPage | 59.5 | 0.60 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000224 | XX |  |  | XX | CLTV | propertyValuationPage | 73.13 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000239 | XX |  |  | XX | CLTV | propertyValuationPage | 63.75 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000245 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Apprisal |
| 900000247 | XX |  |  | XX | CLTV | propertyValuationPage | 74.84 | 0.75 | Audit value pulled from documents located in the loan file. |
| 900000265 | XX |  |  | XX | CLTV | propertyValuationPage | 74.82 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000279 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000282 | XX |  |  | XX | CLTV | propertyValuationPage | 89.97 | 0.90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000284 | XX |  |  | XX | CLTV | propertyValuationPage | 68.44 | 0.68 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000285 | XX |  |  | XX | CLTV | propertyValuationPage | 72.97 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000298 | XX |  |  | XX | CLTV | propertyValuationPage | 53.85 | 0.55 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000312 | XX |  |  | XX | CLTV | propertyValuationPage | 77.24 | 0.80 | Audit value pulled from documents located in the loan file. |
| 900000317 | XX |  |  | XX | CLTV | propertyValuationPage | 77.13 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000328 | XX |  |  | XX | CLTV | propertyValuationPage | 73.68 | 0.74 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000329 | XX |  |  | XX | Sales Price | propertyValuationPage | XX | XX | Audit Value Verified on Purchase Contract / Final CD. |
| 900000329 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000330 | XX |  |  | XX | CLTV | propertyValuationPage | 74.64 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000331 | XX |  |  | XX | CLTV | propertyValuationPage | 74.22 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000333 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000337 | XX |  |  | XX | CLTV | propertyValuationPage | 72.55 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000338 | XX |  |  | XX | CLTV | propertyValuationPage | 71.58 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000351 | XX |  |  | XX | CLTV | propertyValuationPage | 69.08 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000356 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000356 | XX |  |  | XX | CLTV | propertyValuationPage | 79.81 | 0.80 | Audit Value of 1st lien / Qualifying Value. |
| 900000357 | XX |  |  | XX | CLTV | propertyValuationPage | 79 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000362 | XX |  |  | XX | CLTV | propertyValuationPage | 73.47 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000363 | XX |  |  | XX | CLTV | propertyValuationPage | 71.52 | 0.72 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000364 | XX |  |  | XX | CLTV | propertyValuationPage | 83.55 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000368 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000368 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 900000368 | XX |  |  | XX | CLTV | propertyValuationPage | 79.07 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000370 | XX |  |  | XX | CLTV | propertyValuationPage | 49.5 | 0.50 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000371 | XX |  |  | XX | CLTV | propertyValuationPage | 74.07 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000372 | XX |  |  | XX | Property Type | propertyValuationPage | Condotel | Condominium High Rise | Audit Value Pulled From Appraisal. |
| 900000377 | XX |  |  | XX | CLTV | propertyValuationPage | 65.82 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000379 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal |
| 900000379 | XX |  |  | XX | CLTV | propertyValuationPage | 52.19 | 0.52 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000382 | XX |  |  | XX | CLTV | propertyValuationPage | 36.81 | 0.37 | Audit value pulled from documents located in the loan file. |
| 900000384 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000384 | XX |  |  | XX | CLTV | propertyValuationPage | 79 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000393 | XX |  |  | XX | CLTV | propertyValuationPage | 73.48 | 0.73 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000403 | XX |  |  | XX | CLTV | propertyValuationPage | 23.33 | 0.23 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000405 | XX |  |  | XX | CLTV | propertyValuationPage | 84.9 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000406 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000406 | XX |  |  | XX | CLTV | propertyValuationPage | 71.43 | 0.71 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000407 | XX |  |  | XX | CLTV | propertyValuationPage | 79.03 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000410 | XX |  |  | XX | CLTV | propertyValuationPage | 70.45 | 0.75 | Audit value pulled from the AUS located in the loan file. |
| 900000413 | XX |  |  | XX | CLTV | propertyValuationPage | 31.91 | 0.32 | Audit value pulled from documents located in the loan file. |
| 900000415 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000415 | XX |  |  | XX | CLTV | propertyValuationPage | 67.92 | 0.68 | Audit value pulled from documents located in the loan file. |
| 900000416 | XX |  |  | XX | CLTV | propertyValuationPage | 69.56 | 0.70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000421 | XX |  |  | XX | CLTV | propertyValuationPage | 52.38 | 0.52 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000422 | XX |  |  | XX | CLTV | propertyValuationPage | 89.17 | 0.90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000424 | XX |  |  | XX | CLTV | propertyValuationPage | 74.67 | 0.80 | Audit value pulled from documents located in the loan file. |
| 900000428 | XX |  |  | XX | CLTV | propertyValuationPage | 77.25 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000429 | XX |  |  | XX | CLTV | propertyValuationPage | 69.83 | 0.70 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000430 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000433 | XX |  |  | XX | CLTV | propertyValuationPage | 70.65 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000435 | XX |  |  | XX | CLTV | propertyValuationPage | 77.89 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000439 | XX |  |  | XX | CLTV | propertyValuationPage | 74.36 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000446 | XX |  |  | XX | CLTV | propertyValuationPage | 50.43 | 0.50 | Audit Value of 1st + 2nd lien / Qualifying Value |
| Removed from deal | XX |  |  | XX | CLTV | propertyValuationPage | 72.53 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000452 | XX |  |  | XX | Loan Purpose | the1003Page | Purchase | Other | Audit value pulled from documents located in the loan file. |
| 900000452 | XX |  |  | XX | CLTV | propertyValuationPage | 65.31 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000456 | XX |  |  | XX | CLTV | propertyValuationPage | 66.67 | 0.67 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000466 | XX |  |  | XX | CLTV | propertyValuationPage | 77.92 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 900000470 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from appraisal. |
| 900000471 | XX |  |  | XX | CLTV | propertyValuationPage | 45.53 | 0.46 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000480 | XX |  |  | XX | CLTV | propertyValuationPage | 69.53 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000481 | XX |  |  | XX | CLTV | propertyValuationPage | 77.18 | 0.80 | Audit value pulled from documents located in the loan file. |
| 900000483 | XX |  |  | XX | CLTV | propertyValuationPage | 68.46 | 0.68 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000484 | XX |  |  | XX | CLTV | propertyValuationPage | 74.87 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000487 | XX |  |  | XX | CLTV | propertyValuationPage | 79.53 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000492 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000492 | XX |  |  | XX | CLTV | propertyValuationPage | 79.84 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000493 | XX |  |  | XX | CLTV | propertyValuationPage | 55.99 | 0.57 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 900000497 | XX |  |  | XX | CLTV | propertyValuationPage | 76.17 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000500 | XX |  |  | XX | CLTV | propertyValuationPage | 79.73 | 0.80 | Audit value pulled from documents located in the loan file. |
| 900000505 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from appraisal. |
| 900000508 | XX |  |  | XX | CLTV | propertyValuationPage | 79.85 | 0.81 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000523 | XX |  |  | XX | CLTV | propertyValuationPage | 74.78 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000524 | XX |  |  | XX | CLTV | propertyValuationPage | 50.13 | 0.50 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000539 | XX |  |  | XX | CLTV | propertyValuationPage | 79.62 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000540 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000540 | XX |  |  | XX | CLTV | propertyValuationPage | 61.29 | 0.61 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000542 | XX |  |  | XX | CLTV | propertyValuationPage | 79.07 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000546 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000547 | XX |  |  | XX | CLTV | propertyValuationPage | 77.55 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000549 | XX |  |  | XX | CLTV | propertyValuationPage | 82.9 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 900000550 | XX |  |  | XX | CLTV | propertyValuationPage | 70.69 | 0.71 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 900000551 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal |
| 900000553 | XX |  |  | XX | CLTV | propertyValuationPage | 74.24 | 0.77 | Audit value pulled from documents located in the loan file. |
| 900000557 | XX |  |  | XX | CLTV | propertyValuationPage | 78.07 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000566 | XX |  |  | XX | CLTV | propertyValuationPage | 23.16 | 0.25 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000570 | XX |  |  | XX | CLTV | propertyValuationPage | 86.83 | 0.87 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000575 | XX |  |  | XX | CLTV | propertyValuationPage | 62.69 | 0.65 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000582 | XX |  |  | XX | CLTV | propertyValuationPage | 60.28 | 0.60 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000584 | XX |  |  | XX | CLTV | propertyValuationPage | 76.36 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000586 | XX |  |  | XX | CLTV | propertyValuationPage | 58.67 | 0.62 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000589 | XX |  |  | XX | CLTV | propertyValuationPage | 79.56 | 0.80 | Audit value pulled from documents located in the loan file. |
| 900000594 | XX |  |  | XX | CLTV | propertyValuationPage | 66.63 | 0.67 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000596 | XX |  |  | XX | CLTV | propertyValuationPage | 89.98 | 0.90 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000606 | XX |  |  | XX | CLTV | propertyValuationPage | 78.97 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000610 | XX |  |  | XX | CLTV | propertyValuationPage | 26.67 | 0.27 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000622 | XX |  |  | XX | CLTV | propertyValuationPage | 75.06 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000627 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from documents located in the loan file. |
| 900000628 | XX |  |  | XX | CLTV | propertyValuationPage | 79.57 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000630 | XX |  |  | XX | CLTV | propertyValuationPage | 76.89 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000633 | XX |  |  | XX | CLTV | propertyValuationPage | 79.25 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 900000635 | XX |  |  | XX | CLTV | propertyValuationPage | 77.42 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000639 | XX |  |  | XX | CLTV | propertyValuationPage | 72.01 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000649 | XX |  |  | XX | CLTV | propertyValuationPage | 70.54 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 900000654 | XX |  |  | XX | CLTV | propertyValuationPage | 26.68 | 0.27 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000656 | XX |  |  | XX | CLTV | propertyValuationPage | 74.12 | 0.75 | Audit value pulled from documents located in the loan file. |
| 900000658 | XX |  |  | XX | CLTV | propertyValuationPage | 77.27 | 0.77 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000659 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000661 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000665 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal |
| 900000668 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000677 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000678 | XX |  |  | XX | CLTV | propertyValuationPage | 83.52 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000679 | XX |  |  | XX | Note Date | notePage | XX | XX | Audit value pulled from Note. |
| 900000679 | XX |  |  | XX | CLTV | propertyValuationPage | 72.58 | 0.73 | Audit value pulled from documents located in the loan file. |
| 900000694 | XX |  |  | XX | CLTV | propertyValuationPage | 84.27 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000697 | XX |  |  | XX | CLTV | propertyValuationPage | 86.88 | 0.90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000699 | XX |  |  | XX | CLTV | propertyValuationPage | 63.49 | 0.63 | Audit value pulled from documents located in the loan file. |
| 900000705 | XX |  |  | XX | CLTV | propertyValuationPage | 73.14 | 0.80 | Audit value pulled from documents located in the loan file. |
| 900000710 | XX |  |  | XX | CLTV | propertyValuationPage | 67.12 | 0.67 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000719 | XX |  |  | XX | CLTV | propertyValuationPage | 69.31 | 0.69 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000722 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000730 | XX |  |  | XX | CLTV | propertyValuationPage | 73.11 | 0.76 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000731 | XX |  |  | XX | CLTV | propertyValuationPage | 78.31 | 0.78 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000732 | XX |  |  | XX | CLTV | propertyValuationPage | 73.62 | 0.75 | Audit value based on documents located in the loan file. |
| 900000735 | XX |  |  | XX | CLTV | propertyValuationPage | 42.55 | 0.43 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 900000737 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000748 | XX |  |  | XX | CLTV | propertyValuationPage | 79.18 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000749 | XX |  |  | XX | CLTV | propertyValuationPage | 82.91 | 0.90 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 900000750 | XX |  |  | XX | CLTV | propertyValuationPage | 43.84 | 0.44 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000751 | XX |  |  | XX | CLTV | propertyValuationPage | 56.24 | 0.56 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000757 | XX |  |  | XX | CLTV | propertyValuationPage | 79.92 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 900000764 | XX |  |  | XX | CLTV | propertyValuationPage | 78.34 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000768 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000768 | XX |  |  | XX | CLTV | propertyValuationPage | 19.53 | 0.20 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000771 | XX |  |  | XX | CLTV | propertyValuationPage | 78.99 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000776 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000776 | XX |  |  | XX | CLTV | propertyValuationPage | 79.26 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000783 | XX |  |  | XX | CLTV | propertyValuationPage | 78.31 | 0.80 | Audit value pulled from documents located in the loan file. |
| 900000789 | XX |  |  | XX | Property Type | propertyValuationPage | Single Family Detached | PUD | Audit Value Pulled From Appraisal. |
| 900000789 | XX |  |  | XX | CLTV | propertyValuationPage | 59.56 | 0.60 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000791 | XX |  |  | XX | CLTV | propertyValuationPage | 54.39 | 0.60 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000794 | XX |  |  | XX | CLTV | propertyValuationPage | 67.91 | 0.70 | <br> Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000800 | XX |  |  | XX | CLTV | propertyValuationPage | 81.81 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000803 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from appraisal. |
| 900000803 | XX |  |  | XX | CLTV | propertyValuationPage | 78.45 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000809 | XX |  |  | XX | CLTV | propertyValuationPage | 78.79 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000816 | XX |  |  | XX | CLTV | propertyValuationPage | 61.91 | 0.62 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000817 | XX |  |  | XX | CLTV | propertyValuationPage | 74.48 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 900000819 | XX |  |  | XX | CLTV | propertyValuationPage | 57.75 | 0.58 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000820 | XX |  |  | XX | CLTV | propertyValuationPage | 77.5 | 0.80 | Audit value pulled from documents located in the loan file. |
| 900000821 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000821 | XX |  |  | XX | CLTV | propertyValuationPage | 71.2 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000823 | XX |  |  | XX | CLTV | propertyValuationPage | 83.66 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| Removed from deal | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| Removed from deal | XX |  |  | XX | CLTV | propertyValuationPage | 77.35 | 0.77 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000827 | XX |  |  | XX | CLTV | propertyValuationPage | 60.44 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000829 | XX |  |  | XX | CLTV | propertyValuationPage | 89.74 | 0.90 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000833 | XX |  |  | XX | CLTV | propertyValuationPage | 79.49 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000844 | XX |  |  | XX | CLTV | propertyValuationPage | 86.65 | 0.90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000845 | XX |  |  | XX | CLTV | propertyValuationPage | 87.71 | 0.90 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000850 | XX |  |  | XX | CLTV | propertyValuationPage | 43.17 | 0.43 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 900000851 | XX |  |  | XX | CLTV | propertyValuationPage | 60.26 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000853 | XX |  |  | XX | CLTV | propertyValuationPage | 42.53 | 0.43 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000857 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from appraisal. |
| 900000858 | XX |  |  | XX | CLTV | propertyValuationPage | 68.79 | 0.70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000859 | XX |  |  | XX | CLTV | propertyValuationPage | 73.41 | 0.73 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000861 | XX |  |  | XX | CLTV | propertyValuationPage | 55.19 | 0.55 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000866 | XX |  |  | XX | CLTV | propertyValuationPage | 78.8 | 0.79 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000877 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000882 | XX |  |  | XX | CLTV | propertyValuationPage | 76.92 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000883 | XX |  |  | XX | CLTV | propertyValuationPage | 74.88 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000890 | XX |  |  | XX | CLTV | propertyValuationPage | 61.17 | 0.65 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000891 | XX |  |  | XX | CLTV | propertyValuationPage | 89.96 | 0.90 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 900000897 | XX |  |  | XX | CLTV | propertyValuationPage | 65.19 | 0.65 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000907 | XX |  |  | XX | CLTV | propertyValuationPage | 55.76 | 0.56 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000914 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000915 | XX |  |  | XX | CLTV | propertyValuationPage | 64.84 | 0.65 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000922 | XX |  |  | XX | CLTV | propertyValuationPage | 36.61 | 0.39 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000923 | XX |  |  | XX | CLTV | propertyValuationPage | 79.43 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000925 | XX |  |  | XX | CLTV | propertyValuationPage | 79.73 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000926 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000926 | XX |  |  | XX | CLTV | propertyValuationPage | 77.89 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000927 | XX |  |  | XX | CLTV | propertyValuationPage | 79.55 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000936 | XX |  |  | XX | CLTV | propertyValuationPage | 89.03 | 0.89 | Audit value pulled from documents located in the loan file. |
| 900000937 | XX |  |  | XX | CLTV | propertyValuationPage | 69.93 | 0.70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000942 | XX |  |  | XX | CLTV | propertyValuationPage | 74.57 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000946 | XX |  |  | XX | CLTV | propertyValuationPage | 78.61 | 0.80 | Audit value pulled from documents located in the loan file. |
| 900000950 | XX |  |  | XX | CLTV | propertyValuationPage | 64.71 | 0.65 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000952 | XX |  |  | XX | CLTV | propertyValuationPage | 75.92 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000953 | XX |  |  | XX | CLTV | propertyValuationPage | 67.55 | 0.68 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000954 | XX |  |  | XX | CLTV | propertyValuationPage | 65.85 | 0.66 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000958 | XX |  |  | XX | Loan Purpose | the1003Page | Refinance | Other | Audit Value Pulled From Final 1003. |
| 900000958 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 900000960 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 900000960 | XX |  |  | XX | CLTV | propertyValuationPage | 75.43 | 0.80 | Audit Value pulled from Qualifying Value. |
| 900000962 | XX |  |  | XX | CLTV | propertyValuationPage | 79.56 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 900000967 | XX |  |  | XX | CLTV | propertyValuationPage | 78.23 | 0.80 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 900000969 | XX |  |  | XX | CLTV | propertyValuationPage | 82.56 | 0.85 | Audit Value of 1st + 2nd lien / Qualifying Value" |

---

## Exhibit 99.5

**Exhibit 99.5 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?** |
| 900000007 | 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 | 7.757 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6865.27 | N/A | Employed |  | No |  | No |  |
| 900000008 | 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 | 8.395 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30216.83 | N/A | Employed |  | No |  | No |  |
| 900000009 | 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 | 7.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46152.87 | N/A | Retired | Employed | No | No | No |  |
| 900000011 | 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 | 6.636 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37688.5 | N/A | Employed | Employed | No | No | No |  |
| 900000014 | 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 | 4485.58 | N/A | Employed |  | No |  | Yes | Present |
| 900000017 | 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 | 7.238 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22684.64 | N/A | Employed | Employed | No | No | No |  |
| 900000018 | XX |  |  | XX | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.897 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12899.72 | N/A | Employed | Employed | No | No | No |  |
| 900000020 | 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 |
| 900000022 | 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 | 8.192 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19589.17 | Yes | Employed | Employed | No | No | No |  |
| 900000030 | 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 | 9.642 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18972.06 | N/A | Employed |  | No |  | No |  |
| 900000032 | 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 |
| 900000035 | 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 | 7.043 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51456.39 | N/A | Employed | Not Employed | No | No | No |  |
| 900000037 | 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 | 6.797 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3579.73 | Yes | Employed | Not Employed | No | No | No |  |
| 900000038 | 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 |
| 900000039 | 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 | 19264.59 | N/A | Employed | Employed | No |  | No |  |
| 900000043 | 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 | 19820.04 | N/A | Employed |  | No |  | Yes | Present |
| 900000044 | 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 | 6.574 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35295.04 | N/A | Employed | Employed | No | No | No |  |
| 900000048 | 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 |
| 900000051 | 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 | 7.194 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9429.97 | N/A | Employed | Not Employed | No | No | No |  |
| 900000052 | 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 | 20784.02 | N/A | Employed | Employed | No | No | Yes | Present |
| 900000055 | 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 | 11303.9 | N/A | Employed |  | No |  | Yes | Present |
| 900000056 | 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 | 15777.56 | N/A | Employed |  | No |  | No |  |
| 900000062 | 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 | 6.961 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12274.66 | Yes | Employed | Employed | No | No | No |  |
| 900000065 | 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 | 8.704 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11237.63 | N/A | Employed |  | No |  | No |  |
| 900000066 | 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 | 6.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5750.11 | Yes | Employed | Employed | No | No | No |  |
| 900000068 | 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 | 7.083 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43279.02 | N/A | Employed |  | No |  | No |  |
| 900000075 | 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 |
| 900000077 | 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 |
| 900000080 | 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 | 20643.48 | Yes | Employed |  | No |  | Yes | Present |
| 900000085 | 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 |
| 900000090 | 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 | 7.405 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22337.13 | N/A | Retired | Retired | No | No | No |  |
| 900000095 | 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 | 7.512 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12433.65 | N/A | Employed |  | No |  | No |  |
| 900000096 | 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 | 6155.74 | N/A | Employed |  | No |  | Yes | Present |
| 900000097 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | Yes | 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 | 52508.26 | N/A | Not Employed | Employed | No | No | Yes | Present |
| 900000098 | 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 | 8224.88 | N/A | Employed | Employed | No | No | Yes | Present |
| 900000101 | 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 |
| 900000102 | 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 | 24843.79 | N/A | Employed |  | No |  | Yes | Present |
| 900000104 | 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 | 6.957 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23988.89 | N/A | Employed |  | No |  | No |  |
| 900000105 | 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 | 6.77 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 308871.14 | N/A | Employed | Not Employed | No | No | No |  |
| 900000106 | 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 | 7.11 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 49376.33 | N/A | Employed | Employed | No | No | No |  |
| 900000109 | 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 | 7.785 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5277.72 | N/A | Retired | Retired | No | No | No |  |
| 900000112 | 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 |
| 900000113 | 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 | 6.533 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28611.78 | N/A | Employed | Employed | No | No | No |  |
| 900000115 | 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 | 6.815 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16983.72 | N/A | Employed |  | No |  | No |  |
| 900000120 | 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 |
| 900000121 | 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 | 8.803 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3636.49 | N/A | Employed |  | No |  | No |  |
| 900000125 | 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 | 7973.36 | N/A | Employed |  | No |  | No |  |
| 900000130 | 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 | 6.854 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2086.57 | N/A | Employed |  | No |  | No |  |
| 900000132 | 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 |
| 900000134 | 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 | 7.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6117.67 | N/A | Employed | Employed | No | No | No |  |
| 900000137 | 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 |
| 900000138 | 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 |
| 900000141 | 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 |
| 900000145 | 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 | 7.183 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7758.23 | N/A | Employed | Not Employed | No | No | No |  |
| 900000148 | 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 | 7.131 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31564.69 | N/A | Employed |  | No |  | No |  |
| 900000149 | 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 | 6.846 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9927.98 | N/A | Employed | Employed | No | No | No |  |
| 900000153 | 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 |
| 900000155 | 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 | 7.529 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13446.7 | N/A | Employed |  | No |  | No |  |
| 900000164 | 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 |
| 900000165 | 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 | 6.817 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7171 | N/A | Employed | Not Employed | No | No | No |  |
| 900000169 | 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 |
| 900000170 | 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 |
| 900000173 | 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 | 7.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9632.16 | N/A | Employed |  | No |  | No |  |
| 900000181 | 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 | 7.883 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4274.65 | N/A | Employed | Employed | No | No | No |  |
| 900000183 | 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 |
| 900000187 | 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 | 38320.11 | N/A | Employed |  | No |  | No |  |
| 900000197 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | Yes | 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 | 6190.38 | N/A | Employed | Employed | No | No | Yes | Present |
| 900000200 | 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 |
| 900000201 | 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 |
| 900000202 | 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 | 6.829 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15443.91 | N/A | Employed |  | No |  | No |  |
| 900000206 | 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 | 11471.55 | N/A | Employed |  | No |  | Yes | Present |
| 900000207 | 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 |
| 900000208 | 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 | 7.067 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11350.48 | N/A | Employed |  | No |  | No |  |
| 900000210 | 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 | 9.134 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9498.72 | Yes | Employed |  | No |  | No |  |
| 900000211 | 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 |
| 900000215 | 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 | 7.032 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| 900000219 | 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 | 8.875 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15358.13 | N/A | Retired | Employed | No | No | No |  |
| 900000224 | 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 | 8.445 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 94395.37 | N/A | Employed |  | No |  | No |  |
| 900000232 | 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 |
| 900000239 | 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 | 6851.91 | Yes | Employed |  | No |  | No |  |
| 900000245 | 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 |
| 900000247 | 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 |
| 900000264 | 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 | 7.109 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12945.72 | N/A | Employed |  | No |  | No |  |
| 900000265 | 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 | 6.395 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2984.4 | N/A | Employed |  | No |  | No |  |
| 900000272 | 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 | 8.041 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 465410.38 | N/A | Employed | Not Employed | No | No | No |  |
| 900000273 | 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 | 7.399 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 56429.88 | N/A | Employed |  | No |  | No |  |
| 900000275 | 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 |
| 900000276 | 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 | 7.139 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1979.74 | Yes | Employed |  | No |  | No |  |
| 900000279 | 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 | 7.423 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14894.16 | N/A | Employed |  | No |  | No |  |
| 900000282 | 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 | 8.592 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48645.5 | N/A | Employed |  | No |  | No |  |
| 900000284 | 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 | 6.9 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8715.36 | N/A | Employed | Not Employed | No | No | No |  |
| 900000285 | 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 | 6.577 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 54720.82 | N/A | Employed |  | No |  | No |  |
| 900000295 | 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 | 7.751 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42248.95 | N/A | Employed | Not Employed | No | No | No |  |
| 900000298 | 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 | 21569.39 | N/A | Employed |  | No |  | No |  |
| 900000307 | 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 | 7.338 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8740.51 | N/A | Employed | Employed | No | No | No |  |
| 900000312 | 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 |
| 900000313 | 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 | 7.121 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1689.32 | N/A | Employed |  | No |  | No |  |
| 900000317 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.489 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 25641.2 | N/A | Employed | Employed | No | No | Yes | Present |
| 900000320 | 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 |
| 900000321 | 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 | 3053.91 | N/A | Employed |  | No |  | Yes | Present |
| 900000324 | 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 |
| 900000328 | 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 | 6.635 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25901.94 | N/A | Employed |  | No |  | No |  |
| 900000329 | 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 |
| 900000330 | 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 | 7.391 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17327.68 | N/A | Employed |  | No |  | No |  |
| 900000331 | 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 | 7618 | N/A | Employed |  | No |  | Yes | Present |
| 900000333 | 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 | 7.007 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27027.48 | N/A | Employed |  | No |  | No |  |
| 900000337 | 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 |
| 900000338 | 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 | 7.869 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7298.44 | N/A | Employed |  | No |  | No |  |
| 900000349 | 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 | 7.152 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 164047.75 | N/A | Employed |  | No |  | No |  |
| 900000351 | 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 |
| 900000355 | 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 | 6.778 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4238 | N/A | Employed |  | No |  | No |  |
| 900000356 | 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 | 4840.67 | N/A | Employed |  | No |  | Yes | Present |
| 900000357 | 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 |
| 900000362 | 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 |
| 900000363 | 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 | 7.552 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6612.49 | N/A | Employed |  | No |  | No |  |
| 900000364 | 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 | 7.679 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3833.14 | Yes | Employed | Retired | No | No | No |  |
| 900000366 | 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 |
| 900000368 | 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 |
| 900000370 | 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 | 10108.23 | N/A | Employed | Retired | No | No | No |  |
| 900000371 | 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 | 7.625 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9069.39 | N/A | Employed |  | No |  | No |  |
| 900000372 | 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 |
| 900000374 | 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 | 7.47 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20124.23 | N/A | Employed |  | No |  | No |  |
| 900000377 | 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 |
| 900000379 | 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 |
| 900000382 | 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 | 6.96 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 85951.74 | N/A | Employed |  | No |  | No |  |
| 900000384 | 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 | 5272.42 | N/A | Employed |  | No |  | Yes | Present |
| 900000391 | 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 |
| 900000393 | 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 | 7.56 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3637.95 | N/A | Employed |  | No |  | No |  |
| 900000395 | 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 |  | N/A | Employed | Employed | No | No | Yes | Present |
| 900000399 | 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 | 7.62 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11030.26 | N/A | Employed |  | No |  | No |  |
| 900000403 | 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 | 6.834 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6258.64 | N/A | Retired |  | No |  | No |  |
| 900000404 | 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 |
| 900000405 | 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 | 7.64 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12545.11 | N/A | Employed |  | No |  | No |  |
| 900000406 | 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 |
| 900000407 | 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 | 7.169 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19277.88 | N/A | Employed |  | No |  | No |  |
| 900000410 | 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 | 39472.29 | N/A | Employed |  | No |  | Yes | Present |
| 900000411 | 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 | 7.569 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8232.34 | Yes | Employed |  | No |  | No |  |
| 900000413 | 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 |
| 900000415 | 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 |
| 900000416 | 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 | 16569.26 | N/A | Employed |  | No |  | Yes | Present |
| 900000421 | 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 | 7.139 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4670.71 | N/A | Retired |  | No |  | No |  |
| 900000422 | 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 | 9.17 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10179.88 | N/A | Employed |  | No |  | No |  |
| 900000424 | 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 |
| 900000428 | 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 | 7936.87 | N/A | Employed | Not Employed | No | No | No |  |
| 900000429 | 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 |
| 900000430 | 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 | 10781.77 | N/A | Employed | Employed | No | No | Yes | Present |
| 900000433 | 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 |
| 900000435 | 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 | 7.503 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2321.71 | Yes | Employed |  | No |  | No |  |
| 900000438 | 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 |
| 900000439 | 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 |
| Removed from deal | 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 | 6.876 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41860.41 | Yes | Retired |  | No |  | No |  |
| 900000446 | 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 | 6.794 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6250.89 | N/A | Employed |  | No |  | No |  |
| Removed from deal | 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 |
| 900000452 | 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 |
| 900000456 | 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 |
| 900000463 | 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 | 6.529 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13637.36 | N/A | Employed |  | No |  | No |  |
| 900000466 | 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 | 7709.28 | N/A | Employed |  | No |  | Yes | Present |
| 900000470 | 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 |
| 900000471 | 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 | 19286.82 | N/A | Employed | Employed | No | No | Yes | Present |
| 900000475 | 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 | 6.784 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3345.88 | Yes | Employed |  | No |  | No |  |
| 900000480 | 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 | 6.909 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 52360.21 | N/A | Employed |  | No |  | No |  |
| 900000481 | 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 |
| 900000483 | 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 | 6.597 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25447.3 | N/A | Employed | Employed | No | No | No |  |
| 900000484 | 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 | 7.524 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 204169.19 | N/A | Employed |  | No |  | No |  |
| 900000487 | 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 | 8.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 101172.71 | N/A | Employed |  | No |  | No |  |
| 900000492 | 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 |
| 900000493 | 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 | 6.633 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22741.38 | N/A | Retired | Employed | No | No | No |  |
| 900000497 | 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 |
| 900000500 | 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 |
| 900000505 | 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 |
| 900000508 | 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 |
| 900000509 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.705 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11190.48 | N/A | Employed |  | No |  | Yes | Present |
| 900000523 | 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 | 7.002 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 330248.89 | N/A | Employed | Employed | No | No | No |  |
| 900000524 | 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 |
| 900000528 | 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 | 6.715 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14058.18 | Yes | Employed |  | No |  | No |  |
| 900000529 | 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 | 7.08 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1283.18 | Yes | Retired |  | No |  | No |  |
| 900000531 | 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 | 7.194 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| 900000536 | 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 |
| 900000539 | 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 |
| 900000540 | 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 | 7.113 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10464.64 | N/A | Employed |  | No |  | No |  |
| 900000542 | 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 |
| 900000543 | 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 |
| 900000546 | 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 | 7.121 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 60868.47 | N/A | Employed |  | No |  | No |  |
| 900000547 | 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 | 8.408 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25577.16 | N/A | Employed | Employed | No | No | No |  |
| 900000549 | 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 | 8.251 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4560.01 | N/A | Employed |  | No |  | No |  |
| 900000550 | 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 | 4810.99 | N/A | Employed |  | No |  | No |  |
| 900000551 | 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 |
| 900000553 | 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 | 7.592 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4527.88 | Yes | Employed |  | No |  | No |  |
| 900000557 | 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 | 5562.02 | N/A | Employed | Employed | No | No | No |  |
| 900000565 | 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 | 6.911 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44572.49 | N/A | Employed | Not Employed | No | No | No |  |
| 900000566 | 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 | 7.346 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 188250.54 | N/A | Employed |  | No |  | No |  |
| 900000570 | 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 | 8.25 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 49203.49 | N/A | Employed | Employed | No | No | No |  |
| 900000575 | 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 |
| 900000580 | 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 | 7.621 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3820.88 | Yes | Employed |  | No |  | No |  |
| 900000582 | 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 | 6.824 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 57581.77 | N/A | Employed |  | No |  | No |  |
| 900000584 | 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 | 6.938 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15818.79 | N/A | Employed |  | No |  | No |  |
| 900000586 | 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 | 6.689 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 489960.78 | N/A | Employed |  | No |  | No |  |
| 900000589 | 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 |
| 900000594 | 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 |
| 900000596 | 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 | 9.276 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7145.58 | N/A | Employed |  | No |  | No |  |
| 900000600 | 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 |
| 900000606 | 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 | 6.739 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8696.48 | N/A | Employed |  | No |  | No |  |
| 900000610 | 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 | 6.73 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6077.27 | N/A | Retired |  | No |  | No |  |
| 900000612 | 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 | 21863.63 | N/A | Retired |  | No |  | No |  |
| 900000617 | 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 | 7.343 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4395.88 | N/A | Employed | Retired | No | No | No |  |
| 900000622 | 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 |
| 900000625 | 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 |
| 900000627 | 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 |
| 900000628 | 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 | 6.883 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34619.91 | N/A | Employed |  | No |  | No |  |
| 900000630 | 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 | 7.816 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4651.21 | N/A | Employed |  | No |  | No |  |
| 900000631 | 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 |
| 900000632 | 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 | 7.252 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 98958.69 | N/A | Employed | Not Employed | No | No | No |  |
| 900000633 | 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 | 67942.87 | N/A | Employed |  | No |  | No |  |
| 900000635 | 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 |
| 900000639 | 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 | 20019.63 | N/A | Employed |  | No |  | Yes | Present |
| 900000649 | 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 | 7.679 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4948.46 | N/A | Employed |  | No |  | No |  |
| 900000652 | 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 |
| 900000654 | 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 | 7.266 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42867.71 | N/A | Employed | Retired | No | No | No |  |
| 900000655 | 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 | Yes | No | No | Not Tested | 0 | 6.971 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27565.76 | N/A | Employed |  | No |  | No |  |
| 900000656 | 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 |
| 900000657 | 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 | 7.723 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10085.3 | N/A | Employed |  | No |  | No |  |
| 900000658 | 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 | 7.972 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9174 | N/A | Employed |  | No |  | No |  |
| 900000659 | 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 |
| 900000661 | 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 | 4609.9 | Yes | Employed |  | No |  | Yes | Present |
| 900000665 | 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 |
| 900000668 | 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 |
| 900000671 | 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 |
| 900000677 | 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 |
| 900000678 | 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 | 7.499 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32257.83 | N/A | Employed |  | No |  | No |  |
| 900000679 | 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 |
| 900000684 | 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 | 6.751 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5655.03 | Yes | Employed |  | No |  | No |  |
| 900000688 | 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 | 8.51 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7912.95 | N/A | Employed |  | No |  | No |  |
| 900000694 | 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 |
| 900000697 | 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 | 8.307 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 285083.71 | N/A | Employed |  | No |  | No |  |
| 900000699 | 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 |
| 900000705 | 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 |
| 900000710 | 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 | 6.985 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6082.8 | Yes | Employed |  | No |  | No |  |
| 900000711 | 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 | 7.365 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9392.49 | N/A | Employed | Employed | No | No | No |  |
| 900000716 | 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 |
| 900000719 | 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 |
| 900000722 | 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 |
| 900000727 | 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 | 6.96 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19239.34 | N/A | Employed |  | No |  | No |  |
| 900000728 | 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 | 14598.2 | Yes | Employed |  | No |  | Yes | Present |
| 900000729 | 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 | 8.172 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| 900000730 | 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 | 6.782 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4633.75 | N/A | Employed |  | No |  | No |  |
| 900000731 | 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 | 55438.85 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 900000732 | 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 | 12246.34 | N/A | Employed | Employed | No | No | Yes | Present |
| 900000734 | 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 |
| 900000735 | 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 | 6.798 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48146.48 | N/A | Retired | Retired | No | No | No |  |
| 900000737 | 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 |
| 900000748 | 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 | 6.729 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16027.95 | Yes | Retired |  | No |  | No |  |
| 900000749 | 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 | 8.073 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3979.28 | N/A | Employed |  | No |  | No |  |
| 900000750 | 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 | 7.192 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 94235.37 | N/A | Employed | Not Employed | No | No | No |  |
| 900000751 | XX |  |  | XX | ATR/QM: Not Applicable | ATR/QM: Exempt | Yes |  | 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 | 9030.12 | N/A | Employed |  | No |  | Yes | Present |
| 900000757 | 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 | 10275.11 | N/A | Employed |  | No |  | Yes | Present |
| 900000764 | 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 | 6.674 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25771.69 | N/A | Employed |  | No |  | No |  |
| 900000768 | 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 |
| 900000771 | 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 |
| 900000773 | 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 |
| 900000775 | 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 | 40409.58 | N/A | Employed |  | No |  | Yes | Present |
| 900000776 | 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 |
| 900000777 | 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 |
| 900000780 | 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 |
| 900000781 | 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 | 7.403 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 72500.08 | N/A | Employed |  | No |  | No |  |
| 900000783 | 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 |
| 900000789 | 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 | 7.678 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14814.47 | N/A | Employed |  | No |  | No |  |
| 900000790 | 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 | 7583.56 | N/A | Employed | Employed | No | No | Yes | Present |
| 900000791 | 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 | 7.002 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23775.39 | N/A | Employed | Retired | No | No | No |  |
| 900000794 | 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 |
| 900000800 | 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 | 7.99 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12635.22 | N/A | Employed | Employed | No | No | No |  |
| 900000803 | 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 |
| 900000809 | 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 | 7.74 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4883.03 | N/A | Employed | Employed | No | No | No |  |
| 900000810 | 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 | 17091.7 | N/A | Employed |  | No |  | No |  |
| 900000813 | 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 | 42718.84 | N/A | Employed |  | No |  | Yes | Present |
| 900000816 | 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 |
| 900000817 | 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 | 7.359 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10750.84 | N/A | Retired |  | No |  | No |  |
| 900000819 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | Yes | 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 | 303053.52 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 900000820 | 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 |
| 900000821 | 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 |
| 900000822 | 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 | 7.062 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41776.6 | N/A | Employed |  | No |  | No |  |
| 900000823 | 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 | 7.637 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4698.21 | N/A | Employed | Not Employed | No | No | No |  |
| Removed from deal | 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 |
| 900000827 | 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 |
| 900000829 | 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 | 8.254 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6012.94 | N/A | Employed |  | No |  | No |  |
| 900000833 | 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 | 6.964 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14704.11 | Yes | Employed | Retired | No | No | No |  |
| 900000839 | 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 | 7.088 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5550.47 | N/A | Employed |  | No |  | No |  |
| 900000844 | 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 | 9.016 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23365.33 | N/A | Employed |  | No |  | No |  |
| 900000845 | 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 | 9.231 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6618.7 | N/A | Employed |  | No |  | No |  |
| 900000850 | 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 | 7.947 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2294.04 | N/A | Employed |  | No |  | No |  |
| 900000851 | 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 | 62656.38 | N/A | Employed |  | No |  | Yes | Present |
| 900000853 | 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 |
| 900000857 | 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 |
| 900000858 | 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 |
| 900000859 | 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 | 6.906 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31987.44 | N/A | Employed |  | No |  | No |  |
| 900000861 | 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 | 7.364 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4232.97 | Yes | Retired |  | No |  | No |  |
| 900000866 | 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 | 6.961 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2672.83 | N/A | Retired | Retired | No | No | No |  |
| 900000877 | 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 | 23074.25 | N/A | Employed |  | No |  | Yes | Present |
| 900000882 | 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 |
| 900000883 | 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 | 17296.58 | N/A | Employed | Employed | No | No | Yes | Present |
| 900000890 | 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 | 20705.86 | N/A | Employed |  | No |  | Yes | Present |
| 900000891 | 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 | 8.219 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4754.7 | N/A | Employed |  | No |  | No |  |
| 900000897 | 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 | 6.925 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30054.51 | N/A | Employed |  | No |  | No |  |
| 900000898 | 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 | 6.953 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23460.64 | N/A | Employed |  | No |  | No |  |
| 900000904 | 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 | 7.161 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18462.56 | N/A | Employed | Employed | No | No | No |  |
| 900000906 | 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 | 7.041 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1743.25 | N/A | Employed |  | No |  | No |  |
| 900000907 | 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 |
| 900000908 | 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 | 7.446 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11107.72 | N/A | Employed | Employed | No | No | No |  |
| 900000914 | 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 | 23607.76 | N/A | Employed |  | No |  | Yes | Present |
| 900000915 | 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 |
| 900000922 | 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 | 7.165 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6339.79 | N/A | Employed |  | No |  | No |  |
| 900000923 | 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 | 7.115 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3203.83 | Yes | Employed |  | No |  | No |  |
| 900000925 | 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 | 103659.39 | N/A | Employed |  | No |  | Yes | Present |
| 900000926 | 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 |
| 900000927 | 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 | 6.667 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12894.02 | Yes | Employed | Employed | No | No | No |  |
| 900000928 | 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 | 7.48 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9627.93 | N/A | Employed |  | No |  | No |  |
| 900000935 | 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 | 7.489 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4098.9 | Yes | Retired |  | No |  | No |  |
| 900000936 | 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 | 8.231 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6714.21 | N/A | Employed |  | No |  | No |  |
| 900000937 | 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 | 7.215 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10355.36 | N/A | Employed |  | No |  | No |  |
| 900000939 | 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 | 8.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4452.5 | N/A | Employed |  | No |  | No |  |
| 900000942 | 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 | 49033.75 | N/A | Employed |  | No |  | Yes | Present |
| 900000946 | 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 |
| 900000950 | 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 | 7.046 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17183.98 | N/A | Employed |  | No |  | No |  |
| 900000952 | 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 |
| 900000953 | 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 | 7.438 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 105038.22 | N/A | Employed |  | No |  | No |  |
| 900000954 | 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 | 6.855 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4926.15 | N/A | Employed |  | No |  | No |  |
| 900000957 | 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 |
| 900000958 | 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 |
| 900000959 | 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 |
| 900000960 | 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 |
| 900000962 | 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 | 6.683 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6997.81 | Yes | Employed |  | No |  | No |  |
| 900000964 | 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 |
| 900000966 | 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 |
| 900000967 | 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 |
| 900000969 | 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 |
| 900000971 | 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 | 12863.49 | N/A | Employed |  | No |  | Yes | Present |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 7**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 9/XX?2022** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** |
| **LOAN INFORMATION** | **APPRAISAL VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **RECONCILIATION VALUES** | **UPDATED VALUES** | **APPRAISAL VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **RECONCILIATION VALUES** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Loan #3** | **Pool** | **Collateral Underwriter Risk Score** | **Freddie Mac LCA Score** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Final Value Used by Lender** | **Appraised Value** | **Appraisal Form Type** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Form Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Form Type** | **Company** | **Appraisal Date** | **Appraisal Form Type** |
| 900001006 | XX | XX |  |  | July - DSCR Loans Q3 2022 | 2.2 |  | XX | XX |  | XX | XX | 1004 Residential Appraisal | 06/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Medium | 06/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 06/XX?2022 |  |
| 900001004 | XX | XX |  |  | Non-QM Smart Loans Q3 2022 | 1.3 | 1.5 | XX | XX | XX | XX | XX | 1004 Residential Appraisal | 06/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 06/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 06/XX?2022 |  |
| 900001023 | XX | XX |  |  | Non-QM Smart Loans Q3 2022 | 1.6 | 1 | XX | XX | XX | XX | XX | 1004 Residential Appraisal | 06/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Medium | 06/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 06/XX?2022 |  |
| 900001019 | XX | XX |  |  | Non-QM Smart Loans Q3 2022 | 1 | 1 | XX | XX | XX | XX | XX | 1004 Residential Appraisal | 06/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Medium | 06/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 06/XX?2022 |  |
| 900001003 | XX | XX |  |  | Non-QM Smart Loans Q3 2022 | 1 |  | XX | XX | XX | XX | XX | 1073 Condominiums | 04/XX?2022 |  |  |  |  |  |  |  |  |  | XX | XX | -0.800% | XX | Medium | 06/XX?2022 |  | XX | XX | -0.800% | Desk Review [9] | XX | 06/XX?2022 |  |
| 900000986 | XX | XX |  |  | July - DSCR Loans Q3 2022 | 1 |  | XX | XX |  | XX | XX | 1004 Residential Appraisal | 05/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 06/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 06/XX?2022 |  |
| 900001008 | XX | XX |  |  | Non-QM Smart Loans Q3 2022 |  |  | XX | XX | XX | XX | XX | 1004 Residential Appraisal | 06/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Medium | 06/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 06/XX?2022 |  |
| 900000989 | XX | XX |  |  | Non-QM Smart Loans Q3 2022 | 1.8 | 2 | XX | XX | XX | XX | XX | 1004 Residential Appraisal | 05/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Medium | 05/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900001007 | XX | XX |  |  | July - DSCR Loans Q3 2022 | 2.6 |  | XX | XX |  | XX | XX | 1004 Residential Appraisal | 06/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Medium | 06/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 06/XX?2022 |  |
| 900001013 | XX | XX |  |  | June - DSCR Loans Q2 2022 | 1 |  | XX | XX | XX | XX | XX | 1004 Residential Appraisal | 05/XX?2022 |  |  |  |  |  |  |  |  |  | XX | XX | 3.015% | XX | Medium | 05/XX?2022 |  | XX | XX | 3.015% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900001012 | XX | XX |  |  | June - DSCR Loans Q2 2022 | 1 |  | XX | XX | XX | XX | XX | 1004 Residential Appraisal | 05/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 05/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900000991 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | 2.6 |  | XX | XX |  | XX | XX | 1004 Residential Appraisal | 05/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Medium | 06/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 06/XX?2022 |  |
| 900001015 | XX | XX |  |  | June - DSCR Loans Q2 2022 | 1 |  | XX | XX |  | XX | XX | 1004 Residential Appraisal | 06/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 06/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 06/XX?2022 |  |
| 900001014 | XX | XX |  |  | June - DSCR Loans Q2 2022 | 1.5 |  | XX | XX |  | XX | XX | 1004 Residential Appraisal | 05/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 06/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 06/XX?2022 |  |
| 900001018 | XX | XX |  |  | June - DSCR Loans Q2 2022 | 2.6 |  | XX | XX | XX | XX | XX | 1004 Residential Appraisal | 05/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Medium | 05/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900000988 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | 1 | 1 | XX | XX | XX | XX | XX | 1004 Residential Appraisal | 05/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 05/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900000987 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | 1 | 1 | XX | XX |  | XX | XX | 1073 Condominiums | 03/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 04/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 04/XX?2022 |  |
| 900000985 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | 1 | 2.5 | XX | XX | XX | XX | XX | 1073 Condominiums | 05/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 05/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900001025 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | 4.5 | 3.5 | XX | XX | XX | XX | XX | 1004 Residential Appraisal | 04/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Medium | 05/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900001024 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | 1.5 | 4.5 | XX | XX |  | XX | XX | 1004 Residential Appraisal | 05/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 05/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900000994 | XX | XX |  |  | June - DSCR Loans Q2 2022 |  |  | XX | XX |  | XX | XX | 1025 2-4 Family Property | 05/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 05/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900000997 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 |  |  | XX | XX | XX | XX | XX | 1025 2-4 Family Property | 04/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 05/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900001011 | XX | XX |  |  | June - DSCR Loans Q2 2022 | 1 |  | XX | XX | XX | XX | XX | 1004 Residential Appraisal | 05/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Medium | 05/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900001030 | XX | XX |  |  | NRMLT 2022-NQM5 |  |  | XX | XX | XX | XX | XX | 1025 2-4 Family Property | 04/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 05/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900001029 | XX | XX |  |  | NRMLT 2022-NQM5 |  |  | XX | XX | XX | XX | XX | 1025 2-4 Family Property | 04/XX?2022 |  |  |  |  |  |  |  |  |  | XX | XX | -4.884% | XX | Medium | 05/XX?2022 |  | XX | XX | -4.884% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900001010 | XX | XX |  |  | NRMLT 2022-NQM5 | 1.6 |  | XX | XX |  | XX | XX | 1004 Residential Appraisal | 05/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 05/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900000984 | XX | XX |  |  | NRMLT 2022-NQM5 | 1.8 | 3.5 | XX | XX |  | XX | XX | 1004 Residential Appraisal | 03/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Medium | 03/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 03/XX?2022 |  |
| 900000992 | XX | XX |  |  | NRMLT 2022-NQM5 | 1 | 1 | XX | XX |  | XX | XX | 1004 Residential Appraisal | 04/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 05/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900000990 | XX | XX |  |  | NRMLT 2022-NQM5 | 1 |  | XX | XX | XX | XX | XX | 1004 Residential Appraisal | 05/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 05/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900000999 | XX | XX |  |  | NRMLT 2022-NQM5 | 1 | 1 | XX | XX | XX | XX | XX | 1073 Condominiums | 04/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Medium | 05/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900000996 | XX | XX |  |  | NRMLT 2022-NQM5 |  |  | XX | XX | XX | XX | XX | 1025 2-4 Family Property | 04/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | Low | 05/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900000998 | XX | XX |  |  | NRMLT 2022-NQM5 |  |  | XX | XX | XX | XX | XX | 1025 2-4 Family Property | 04/XX?2022 |  |  |  |  |  |  |  |  |  | XX | XX | -5.868% | XX | Medium | 05/XX?2022 |  | XX | XX | -5.868% | Desk Review [9] | XX | 05/XX?2022 |  |
| 900000993 | XX | XX |  |  | NRMLT 2022-NQM5 | 1.1 |  | XX | XX |  | XX | XX | 1073 Condominiums | 02/XX?2022 |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | MODERATE | 04/XX?2022 |  | XX | $0.00 | 0.000% | Desk Review [9] | XX | 04/XX?2022 |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 8**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Grading** |  |  |  |  |  |  |  |  |
| **Run Date - 9/16/2022** |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Loan #3** | **Original Loan Amount** |
| 900001006 | XX | XX |  |  | XX B A |
| 900001004 | XX | XX |  |  | XX A B |
| 900001023 | XX | XX |  |  | XX A |
| 900001019 | XX | XX |  |  | XX A |
| 900001003 | XX | XX |  |  | XX A D |
| 900000986 | XX | XX |  |  | XX A |
| 900001008 | XX | XX |  |  | XX A |
| 900000989 | XX | XX |  |  | XX A |
| 900001007 | XX | XX |  |  | XX B A |
| 900001013 | XX | XX |  |  | XX A |
| 900001012 | XX | XX |  |  | XX A |
| 900000991 | XX | XX |  |  | XX A D B |
| 900001015 | XX | XX |  |  | XX A |
| 900001014 | XX | XX |  |  | XX A |
| 900001018 | XX | XX |  |  | XX D A |
| 900000988 | XX | XX |  |  | XX A D B |
| 900000987 | XX | XX |  |  | XX D A B |
| 900000985 | XX | XX |  |  | XX A |
| 900001025 | XX | XX |  |  | XX A D |
| 900001024 | XX | XX |  |  | XX A |
| 900000994 | XX | XX |  |  | XX A |
| 900000997 | XX | XX |  |  | XX D A |
| 900001011 | XX | XX |  |  | XX A |
| 900001030 | XX | XX |  |  | XX D A |
| 900001029 | XX | XX |  |  | XX D A |
| 900001010 | XX | XX |  |  | XX A |
| 900000984 | XX | XX |  |  | XX B A D |
| 900000992 | XX | XX |  |  | XX A |
| 900000990 | XX | XX |  |  | XX D A |
| 900000999 | XX | XX |  |  | XX A |
| 900000996 | XX | XX |  |  | XX D A |
| 900000998 | XX | XX |  |  | XX D A |
| 900000993 | XX | XX |  |  | XX D A B |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 9**

---

| |
|:---|
| **ASF Addendum - Business Purpose** |
| **Run Date - 9/16/2022** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Loan #3** | **Seller Name** | **Originator Name** | **Guideline Author** | **Guideline Name** | **Guideline Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Cross Collateralized Flag** | **Number of Mortgaged Properties** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Guarantor 1** | **Foreign National Guarantor 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Self Employment Flag** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Residency Status** | **Borrower 3 Self Employment Flag** | **Borrower 3 OriginalFICO:Equifax** | **Borrower 3 OriginalFICO:Experian** | **Borrower 3 OriginalFICO:TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Residency Status** | **Borrower 4 Self Employment Flag** | **Borrower 4 OriginalFICO:Equifax** | **Borrower 4 OriginalFICO:Experian** | **Borrower 4 OriginalFICO:TransUnion** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Citizenship** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Citizenship** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** |
| 900001006 | XX | XX |  |  |  | XX | XX | Smart Vest | XX | Yes | No |  | $1350.00 | 1004 / 70 | Third Party Rental Source | 1.173% | $1151.01 |  |  | No |  | No |  | $80.83 | $55.58 | No | 3 | 7 | No | No |  |  | 0.6 |  |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XX | Limited Liability Corp (LLC) |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | US Citizen | 765 | 704 | 768 |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| 900001004 | XX | XX |  |  |  | XX | XX | SmartSelf v21.8 | XX |  |  |  |  |  |  |  | $3357.77 |  |  | No |  |  | $0.00 | $603.42 | $124.92 | No | 1 |  |  |  |  |  |  | US Citizen | US Citizen | 669 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  | Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Unemployed | XX |  | XX | 1 | XX | XX | 4 | 2.1 | C-3 | XX | $0.00 | $15635.99 |
| 900001023 | XX | XX |  |  |  | XX | XX | Smart Self v21.8 | XX |  |  |  |  |  |  |  | $3359.59 |  |  | No |  |  | $0.00 | $472.75 | $131.58 | No | 1 |  |  |  |  |  |  | US Citizen |  | 683 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 1 | XX | XX | 4 | 2.1 | Average | XX | $0.00 | $17479.61 |
| 900001019 | XX | XX |  |  |  | XX | XX | SMART_SELF | XX |  |  |  |  |  |  |  | $5054.62 |  |  | No |  |  | $343.00 | $320.64 | $579.67 | No | 1 |  |  |  |  |  |  | US Citizen |  | 666 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 1 | XX | XX | 5 | 2.1 | C-3 | XX | $0.00 | $53541.00 |
| 900001003 | XX | XX |  |  |  | XX | XX | Smart Edge v 21.8 | XX |  |  |  |  |  |  |  | $2402.69 |  |  | No |  |  | $215.00 | $431.55 | $26.08 | No | 1 |  |  |  |  |  |  | US Citizen |  | 744 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 1 | XX | XX | 2 | 2.1 | C-3 | XX | $0.00 | $8958.34 |
| 900000986 | XX | XX |  |  |  | XX | XX | SMART_VEST | XX | Yes | Yes | $6000.00 | $6500.00 | 1004 / 70 | Rent On Existing Lease | 1.226% | $4893.32 | 08/01/2020 | 1 | No |  | No |  | $569.09 | $144.08 | No | 3 | 3 | No |  |  |  | 4 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual |  | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 5 | 3 | C-4 |  | $0.00 | $0.00 |
| 900001008 | XX | XX |  |  |  | XX | XX | SMART_EDGE | XX |  |  |  |  |  |  |  | $1427.87 |  |  | Yes | $13500.00 |  | $0.00 | $183.45 | $93.25 | No | 4 |  |  |  |  |  |  | US Citizen | US Citizen | 759 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  | Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX |  | XX | 1 | XX | XX | 1 | 1 | C-3 | XX | $0.00 | $12020.10 |
| 900000989 | XX | XX |  |  |  | XX | XX | SMART_EDGE | XX |  |  |  |  |  |  |  | $6521.36 |  |  | No |  |  | $11.50 | $922.21 | $293.25 | No | 1 |  |  |  |  |  |  | US Citizen |  | 726 |  |  | 1 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 1 | XX | XX | 5 | 4.1 | C-3 | XX | $0.00 | $21083.33 |
| 900001007 | XX | XX |  |  |  | XX | XX | SMART_VEST | XX | Yes | No |  | $3300.00 | 1004 / 70 | Third Party Rental Source | 1.016% | $3246.84 |  |  | No |  | No |  | $895.83 | $161.42 | No | 5 | 5 | No |  |  |  | 0.1 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual |  | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 3 | 3 | C-4 |  | $0.00 | $0.00 |
| 900001013 | XX | XX |  |  |  | XX | XX | SMART_VEST | XX | Yes | No |  | $2300.00 | 1004 / 70 | Third Party Rental Source | 1.000% | $2299.63 |  |  | Yes | $27500.00 | No |  | $248.11 | $229.84 | No | 2 | 28 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual |  | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 3 | 2 | C-4 | XX | $0.00 | $0.00 |
| 900001012 | XX | XX |  |  |  | XX | XX | SMART_VEST | XX | Yes | No |  | $2150.00 | 1004 / 70 | Third Party Rental Source | 1.129% | $1904.42 |  |  | No |  | No |  | $116.34 | $232.12 | No | 2 | 28 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual |  | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 2 | 2 | C-4 | XX | $0.00 | $0.00 |
| 900000991 | XX | XX |  |  |  | XX | XX | Smary Edge v21.8 | XX |  |  |  |  |  |  |  | $5342.38 |  |  | No |  |  | $0.00 | $162.84 | $133.42 | No | 2 |  |  |  |  |  |  | US Citizen | US Citizen | 791 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  | Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Retired | XX |  | XX | 1 | XX | XX | 5 | 2.1 | C-4 |  | $0.00 | $13987.07 |
| 900001015 | XX | XX |  |  |  | XX | XX | SMART_VEST | XX | Yes | No |  | $5500.00 | 1004 / 70 | Third Party Rental Source | 3.670% | $1498.67 |  |  | Yes | $17042.00 | No |  | $334.03 | $101.00 | No | 4 | 6 | No | No |  |  | 5.7 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Limited Liability Corp (LLC) |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | US Citizen | 745 | 728 | 742 |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 3 | 1 | C-2 |  | $0.00 | $0.00 |
| 900001014 | XX | XX |  |  |  | XX | XX | SMART_VEST | XX | Yes | No |  | $4000.00 | 1004 / 70 | Third Party Rental Source | 3.379% | $1183.68 |  |  | Yes | $1.00 | No |  | $224.67 | $53.53 | No | 4 | 6 | No |  |  |  | 4 | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual |  | XX | XX | Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 2 | 1 | C-2 |  | $0.00 | $0.00 |
| 900001018 | XX | XX |  |  |  | XX | XX | SMART_VEST | XX | Yes | No |  | $2400.00 | 1004 / 70 | Third Party Rental Source | 1.004% | $2390.69 |  |  | Yes | $20000.00 | Yes | $58.33 | $598.27 | $53.75 | No | 5 | 5 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual |  | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 3 | 2 | C-1 | XX | $0.00 | $0.00 |
| 900000988 | XX | XX |  |  |  | XX | XX | Smart Edge v21.8 | XX |  |  |  |  |  |  |  | $1826.05 |  |  | No |  |  | $0.00 | $280.87 | $136.33 | No | 1 |  |  |  |  |  |  | US Citizen |  | 783 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 1 | XX | XX | 4 | 3.1 | C-4 | XX | $0.00 | $4021.52 |
| 900000987 | XX | XX |  |  |  | XX | XX | SMART_SELF | XX |  |  |  |  |  |  |  | $2132.51 |  |  |  |  |  | $627.00 | $320.07 | $97.00 | No | 1 |  |  |  |  |  |  | US Citizen |  | 754 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 1 | XX | XX | 1 | 1.1 | C-3 |  | $0.00 | $22055.95 |
| 900000985 | XX | XX |  |  |  | XX | XX | SMART_EDGE | XX |  |  |  |  |  |  |  | $5186.42 |  |  | No |  |  | $800.00 | $597.62 | $0.00 | No | 2 |  |  |  |  |  |  | US Citizen |  | 715 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Retired |  | XX |  | XX | 1 | XX | XX | 2 | 2.1 | C-2 | XX | $0.00 | $0.00 |
| 900001025 | XX | XX |  |  |  | XX | XX | SMART_EDGE | XX |  |  |  |  |  |  |  | $7921.53 |  |  | No |  |  | $100.00 | $239.25 | $184.08 | No | 1 |  |  |  |  |  |  | US Citizen |  | 775 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 1 | XX | XX | 4 | 3.1 | C-3 | XX | $0.00 | $20416.67 |
| 900001024 | XX | XX |  |  |  | XX | XX | Smart Edge v21.8 | XX |  |  |  |  |  |  |  | $6456.10 |  |  | No |  |  | $47.67 | $1040.05 | $374.17 | No | 1 |  |  |  |  |  |  | US Citizen |  | 773 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 1 | XX | XX | 3 | 2.1 | C-3 |  | $0.00 | $80713.25 |
| 900000994 | XX | XX |  |  |  | XX | XX | SMART_VEST | XX | Yes | Yes | $2966.00 | $4200.00 | 1025 / 216 | Rent On Existing Lease | 1.811% | $1638.05 | 07/01/2022 | 1 | No |  | No |  | $335.72 | $119.25 | No | 3 | 3 | No | No | No |  | 9 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Limited Liability Corp (LLC) |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | US Citizen | 792 | 813 | 793 | XX | XX | US Citizen | 804 | 812 | 809 |  |  | XX |  | XX | 3 | XX | XX | 5 | 3 | C-4 |  | $0.00 | $0.00 |
| 900000997 | XX | XX |  |  |  | XX | XX | SMART_EDGE | XX |  |  |  |  |  |  |  | $2417.78 |  |  | Yes | $47100.00 |  | $0.00 | $288.09 | $108.83 | No | 15 |  |  |  |  |  |  | Non-Resident Alien |  | 766 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 2 | XX | XX | 6 | 4.1 | Good | XX | $0.00 | $25856.53 |
| 900001011 | XX | XX |  |  |  | XX | XX | SMART_VEST | XX | Yes | No |  | $2400.00 | 1004 / 70 | Third Party Rental Source | 1.126% | $2130.50 |  |  | Yes | $27180.00 | No |  | $201.19 | $157.25 | No | 3 | 29 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual |  | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 3 | 2 | C-4 | XX | $0.00 | $0.00 |
| 900001030 | XX | XX |  |  |  | XX | XX | Smart Edge v21.8 | XX |  |  |  |  |  |  |  | $2385.82 |  |  | No |  |  | $0.00 | $281.08 | $108.83 | No | 15 |  |  |  |  |  |  | US Citizen |  | 766 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 2 | XX |  | 6 | 4.2 |  | XX | $0.00 | $25186.10 |
| 900001029 | XX | XX |  |  |  | XX | XX | Smart Edge v21.8 | XX |  |  |  |  |  |  |  | $2018.59 |  |  | No |  |  | $0.00 | $288.09 | $108.83 | No | 15 |  |  |  |  |  |  | US Citizen |  | 766 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 2 | XX | XX | 6 | 4.2 | Average | XX | $0.00 | $25186.10 |
| 900001010 | XX | XX |  |  |  | XX | XX | SMART_VEST | XX | Yes | Yes | $4121.10 | $5400.00 | 1004 / 70 | Rent On Existing Lease | 3.440% | $1197.96 |  |  | Yes | $36700.00 | No |  | $186.10 | $62.33 | No | 3 | 9 | No | No |  |  | 9 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Limited Liability Corp (LLC) |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | US Citizen | 745 | 728 | 742 |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| 900000984 | XX | XX |  |  |  | XX | XX | SMART_EDGE - 30 Yr Fixed IO | XX |  |  |  |  |  |  |  | $3139.89 |  |  | No |  |  | $0.00 | $749.95 | $152.13 | No | 5 |  |  |  |  |  |  | US Citizen |  | 687 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Inter-Vivos Revocable Trust |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 1 | XX | XX | 3 | 2.1 | C-3 |  | $0.00 | $42823.39 |
| 900000992 | XX | XX |  |  |  | XX | XX | SMART_SELF | XX |  |  |  |  |  |  |  | $1062.88 |  |  | No |  |  | $0.00 | $191.71 | $91.33 | No | 1 |  |  |  |  |  |  | US Citizen |  | 748 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 1 | XX | XX | 3 | 1.1 | C-4 |  | $0.00 | $2473.51 |
| 900000990 | XX | XX |  |  |  | XX | XX | SMART_VEST | XX | Yes | Yes | $2100.00 | $2100.00 | 1004 / 70 | Rent On Existing Lease | 1.144% | $1835.56 |  |  | Yes | $1.00 | No |  | $590.78 | $84.67 | No | 4 | 4 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Limited Liability Corp (LLC) |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | US Citizen | 662 | 718 | 689 |  |  |  |  |  |  |  |  | XX |  | XX | 1 | XX | XX | 3 | 2 | C-4 | XX | $0.00 | $0.00 |
| 900000999 | XX | XX |  |  |  | XX | XX | SmartSelf V21.8 | XX |  |  |  |  |  |  |  | $4618.44 |  |  | No |  |  | $618.00 | $129.41 | $31.33 | No | 1 |  |  |  |  |  |  | US Citizen |  | 786 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 1 | XX | XX | 3 | 2 | C-3 | XX | $0.00 | $28394.90 |
| 900000996 | XX | XX |  |  |  | XX | XX | SMART_EDGE | XX |  |  |  |  |  |  |  | $1821.04 |  |  | Yes | $32000.00 |  | $0.00 | $247.78 | $76.33 | No | 15 |  |  |  |  |  |  | Non-Resident Alien |  | 766 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 2 | XX | XX | 4 | 2 | Good | XX | $0.00 | $25856.53 |
| 900000998 | XX | XX |  |  |  | XX | XX | SMART_EDGE | XX |  |  |  |  |  |  |  | $2438.77 |  |  | Yes | $51500.00 |  | $0.00 | $327.78 | $115.08 | No | 15 |  |  |  |  |  |  | Non-Resident Alien |  | 766 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 2 | XX | XX | 4 | 4 | Good | XX | $0.00 | $25856.53 |
| 900000993 | XX | XX |  |  |  | XX | XX | SMART_SELF | XX |  |  |  |  |  |  |  | $1212.67 |  |  | No |  |  | $33.33 | $7.00 | $53.58 | No | 1 |  |  |  |  |  |  | US Citizen |  | 678 |  |  | 0 | 0 | 0 |  |  |  |  | XX | Individual |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX |  | XX | 1 | XX | XX | 2 | 2 | C-3 |  | $0.00 | $9219.63 |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 10**

---

| |
|:---|
| **Loan Level Exceptions** |
| **Run Date - 9/XX/2022** |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Loan #3** | **Project Name** | **Detailed Status** | **Initial Overall Grade** | **Final Overall Grade** | **Initial Credit** | **Initial Value** | **Initial Compliance** | **Final Credit** | **Final Value** | **Final Compliance** | **Non-Material Exceptions** | **Resolved Exceptions** | **Acknowledged Exceptions** |
| 900001006 | XX | XX |  |  | DSCR Loans 2022 Q3 | Client Reportable | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan does not conform to program guidelines - EV 2<br> COMMENT: The guidelines, section 35, documentation requires for refinance transaction: the most recent lease agreement and Single Family Comparable Rent Schedule (Form 1007/1000) is required to determine the monthly rent. The subject property is currently vacant due to remodeling. The file included an approved exception (page 372) to used the market rent to calculate the DSCR as the property is currently vacant due to remodeling. |  |  |
| 900001004 | XX | XX |  |  | Non-QM Smart Loans 2022 Q3 | Client Reportable | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 | \*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, 6/XX/2022. |  |  |
| 900001023 | XX | XX |  |  | Non-QM Smart Loans 2022 Q3 | Not Applicable | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 900001019 | XX | XX |  |  | Non-QM Smart Loans 2022 Q3 | Client Reportable | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 900001003 | XX | XX |  |  | Non-QM Smart Loans 2022 Q3 | Client Reportable | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on 6/XX/2022 was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $95.00 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| 900000986 | XX | XX |  |  | DSCR Loans 2022 Q3 |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 900001008 | XX | XX |  |  | Non-QM Smart Loans 2022 Q3 |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 900000989 | XX | XX |  |  | Non-QM Smart Loans 2022 Q3 |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 900001007 | XX | XX |  |  | DSCR Loans 2022 Q3 |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) DSCR Is Not Eligible - EV 2<br> COMMENT: The subject transaction cash out refinance. The guidelines require a minimum DSCR of 1.15%. The DSCR was calculated using market rent $3,300/$3,246.84 resulting in a DSCR of 1.02%. The file included an approved exception (page 263) to vest loan with delayed financing. The guidelines do not address delayed financing. |  |  |
| 900001013 | XX | XX |  |  | June - DSCR Loans Q2 2022 |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 900001012 | XX | XX |  |  | June - DSCR Loans Q2 2022 |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 900000991 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | Client Reportable | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 | \*\*\* (OPEN) Missing evidence of TRID Disclosure Delivery - EV 2<br> COMMENT: The PCCD issued 7/XX/2022 is inaccurate. The amount of reimbursement includes the lender credit provided on CD 6/XX/2022. The reimbursement should have been for $160 instead of $336.<br>\*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees was not accepted because the change was not disclosed within 3-business days: Appraisal Re-Inspection Fee. The change occurred on 6/XX/2022; however, the disclosure was not issued until 6/XX/2022. A cost to cure in the amount of $160.00 is required. The defect can be cured by reimbursing the consumer or providing evidence that the change was disclosed within 3-business days. If curing with a reimbursement, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |
| 900001015 | XX | XX |  |  | June - DSCR Loans Q2 2022 |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 900001014 | XX | XX |  |  | June - DSCR Loans Q2 2022 |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 900001018 | XX | XX |  |  | June - DSCR Loans Q2 2022 |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title commitment $XX was less than the loan amount of $XX. |  |
| 900000988 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | Not Applicable | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees was not accepted because the change was not disclosed within 3-business days: Appraisal Fee #2. The change occurred on 5/XX/2022; however, the disclosure was not issued until 5/XX/2022. A cost to cure in the amount of $695 is required. The defect can be cured by reimbursing the consumer or providing evidence that the change was disclosed within 3-business days. If curing with a reimbursement, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  |
| 900000987 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 |  | 3 | 2 | 3 | 1 | 3 | 1 | 1 | 2 | \*\*\* (OPEN) TRID - Zero tolerance violation - EV 2<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fees on 5/XX/22 was not accepted because a valid change of circumstance was not provided: Title Bringdown Fee. A cost to cure in the amount of $75.00 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). | \*\*\* (CURED) Unable to verify PITI on other mortgage related obligations (ATR) - EV R<br> COMMENT: Missing verification of PITI for rental property on XXXX The 1003 shows no mortgage for the property, but REO report on page 303 indicates there is a mortgage to XX for $XX. No documentation in file to validate. Used lender figures for PITI to calculate ratios pending validation. |  |
| 900000985 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 900001025 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 |  | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on 5/XX/22 was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $75.00 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| 900001024 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | Not Applicable | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 900000994 | XX | XX |  |  | June - DSCR Loans Q2 2022 |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 900000997 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Unable to verify PITI on simultaneous loan (ATR) - EV R<br> COMMENT: Mortgage documents are not in the current loan file for properties at XX addresses. |  |
| 900001011 | XX | XX |  |  | June - DSCR Loans Q2 2022 | Not Applicable | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 900001030 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | Not Applicable | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) 1003 Application [information not provide] - EV R<br> COMMENT: Missing full executed initial 1003 from the loan file.<br>\*\*\* (CURED) Missing Appraisal - EV R<br> COMMENT: Missing full appraisal from the loan file.<br>\*\*\* (CURED) Unable to verify PITI on simultaneous loan (ATR) - EV R<br> COMMENT: Missing PITIA documentation from the loan file for the following properties:<br> XX |  |
| 900001029 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | Not Applicable | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Unable to verify PITI on simultaneous loan (ATR) - EV R<br> COMMENT: Missing documentation to support the PITI for the follow properties:<br> XX |  |
| 900001010 | XX | XX |  |  | June - DSCR Loans Q2 2022 |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 900000984 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 |  | 3 | 2 | 2 | 1 | 3 | 2 | 1 | 1 | \*\*\* (OPEN) Credit history insufficient/does not meet guidelines (ATR) - EV 2<br> COMMENT: The mortgages at XX and XX had 1 time over 30 on each, with different dates in the last 6 months. One is January 2022 and other April 2022. Prior to this. only 30 day late was in January 2020 with XX. Reference pages 787 and 1606. Compensating factors are valid and are noted here for the 2 times over 30. | \*\*\* (CURED) Missing evidence of TRID Disclosure Delivery - EV R<br> COMMENT: There is no evidence of an initial CD and revised CD provided to the non-borrower. Per regulation, CD(s) must be provided to all who have the right to rescind. The defect can be resolved by providing evidence showing the non-borrower received the disclosure timely. If disclosure was received electronically, the Econsent is required as well.<br>\*\*\* (CURED) Not all title holders executed ROR - EV R<br> COMMENT: The Right to Cancel Notice was not signed and dated by the NB with right to rescind. |  |
| 900000992 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 900000990 | XX | XX |  |  | June - DSCR Loans Q2 2022 |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Title evidence - EV R<br> COMMENT: The loan file did not contain a complete title; only the schedule B was provided. Page 553 of the loan file is an invoice from xx; however, the title policy is missing from the file. |  |
| 900000999 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | Not Applicable | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 900000996 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Unable to verify PITI on simultaneous loan (ATR) - EV R<br> COMMENT: Mortgage documents are not in the current loan file for properties at XX addresses. |  |
| 900000998 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Unable to verify PITI on simultaneous loan (ATR) - EV R<br> COMMENT: Mortgage documents are not in the current loan file for properties at XX addresses. |  |
| 900000993 | XX | XX |  |  | May - Non-QM Smart Loans Q2 2022 |  | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 | \*\*\* (OPEN) Qualifying Credit Score does not meet eligibility requirement(s) - EV 2<br> COMMENT: The XX guidelines dated 9/XX/2021 p. 1 reflects the requirement for a credit score of 680 for a cash out refinance and the credit report reflects the borrowers score as 678. Exception received dated 5/XX/2022 for 678 credit score vs min credit score of 680 for cash out. Compensating factors listed, 46.97 :TV vs 75% max, $22,000 in reserves vs $15,000 required, 27 years self employed and 35% DTI. | \*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: The file is missing proof of insurance for the borrower.<br>\*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with a new creditor; however, the version provided is for a refinance with the same creditor. Version H-9 was provided; Version H-8 was required. The defect can be resolved by opening rescission and providing the correct ROR version.<br>\*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: The XX guidelines dated 9/XX/2021 p. 14 reflects the requirement to verify the housing payment history as 0x30x12 since the previous mortgage was modified/ The file is missing verification of the pay history. |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 11**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Loan #3** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** | **MCMS COMMENTS** |
| 900001006 | XX | XX |  |  | Debt Service Coverage Ratio | 1.173 | 1.170 | 0.003 | 0.26% | The DSCR is calculated using the market rent of $1,350 / $1,151.01 | Initial |  | TAPE CORRECT- ROUNDING |
| 900001004 | XX | XX |  |  | B1 Citizenship Status | US Citizen | Non-Resident Alien |  |  | US Citizen - per final 1003 in file | Initial |  | UPDATED TAPE |
| 900001004 | XX | XX |  |  | B1 SSN | XX | XX |  |  | XX - per final 1003 in file. | Initial |  | UPDATED TAPE |
| 900001004 | XX | XX |  |  | Borrower DTI Ratio Percent | 23.777% | 24.380% | -0.603% | -0.60% | 23.77% - using slightly higher income for qualification. | Initial |  | TAPE CORRECT- WITHIN 3% VARIANCE |
| 900001004 | XX | XX |  |  | Original CLTV Ratio Percent | 66.667% | 66.660% | 0.007% | 0.01% | One and the same. | Initial |  | ONE IN THE SAME |
| 900001004 | XX | XX |  |  | Original Standard LTV (OLTV) | 66.667% | 66.660% | 0.007% | 0.01% | One and the same. | Initial |  | ONE IN THE SAME |
| 900001004 | XX | XX |  |  | Representative Score | 669 | 661 | 8 | 1.21% | 669 - per credit report in file. | Initial |  | TAPE ALREADY UPDATED |
| 900001019 | XX | XX |  |  | Borrower DTI Ratio Percent | 10.432% | 22.403% | -11.971% | -11.97% | Documents in file reflect 10.432% DTI. | Initial |  | TAPE CORRECT- PER SCORECARD 6/29/2022 |
| 900001003 | XX | XX |  |  | B1 Citizenship Status | US Citizen | Non-Resident Alien |  |  | US Citizen - per final signed 1003 in file. | Initial |  | UPDATED TAPE |
| 900000986 | XX | XX |  |  | Debt Service Coverage Ratio | 1.226 | 1.22 | 0.006 | 0.49% | The DSCR of 1.226 is calculated using the leased rent of $6,000 and PITIA of $4,893.32. | Initial |  | TAPE CORRECT- ROUNDING |
| 900001008 | XX | XX |  |  | B1 SSN | XX | XX |  |  | Tape is B2 social security number. | Initial |  | UPDATED TAPE |
| 900001008 | XX | XX |  |  | Borrower First Name | XX | XX |  |  | Per the note (page 621) and the 1008 (page 593), the borrower's first name is XX. (The coborrower's first name is XX.) | Initial |  | UPDATED TAPE |
| 900001007 | XX | XX |  |  | Debt Service Coverage Ratio | 1.016 | 1.01 | 0.006 | 0.59% | The DSCR of 1.36 is calculated using market rent of $3,300 and the PITIA of $2,432.45. | Initial |  | TAPE CORRECT-DD firm comment makes no sense. They state, *The DSCR of 1.36…*Yet they have 1.016?? Non issue – rounding issue |
| 900001007 | XX | XX |  |  | Property Address Street | XX | XX |  |  | One and the same. | Initial |  | ONE IN THE SAME |
| 900001012 | XX | XX |  |  | Debt Service Coverage Ratio | 1.129 | 1.120 | 0.009 | 0.80% | The DSCR of 1.13 is calculated using market rent of $2,150 and PITIA of $1,904.42 | Initial |  | TAPE CORRECT- DD error –. Market Rent 2,150 / PITIA 1,909.27 = 1.12 |
| 900000991 | XX | XX |  |  | Borrower DTI Ratio Percent | 45.563% | 44.261% | 1.302% | 1.30% | 45.563% - due to slightly lower income being used | Initial |  | TAPE CORRECT- WITHIN 3% VARIANCE |
| 900001015 | XX | XX |  |  | B1 Citizenship Status | Not Applicable | US Citizen |  |  |  | Initial |  | **Recovco is using LLC as borrower 1** |
| 900001015 | XX | XX |  |  | B1 Self-Employed? | Unavailable | No |  |  |  | Initial |  | **Recovco is using LLC as borrower 1** |
| 900001015 | XX | XX |  |  | B1 SSN | XX | XX |  |  |  | Initial |  | **Recovco is using LLC as borrower 1** |
| 900001015 | XX | XX |  |  | Borrower First Name | XX | XX |  |  |  | Initial |  | **Recovco is using LLC as borrower 1** |
| 900001015 | XX | XX |  |  | Borrower Last Name | XX | XX |  |  |  | Initial |  | **Recovco is using LLC as borrower 1** |
| 900001015 | XX | XX |  |  | Debt Service Coverage Ratio | 3.670 | 2.610 | 1.060 | 40.61% | DSCR 3.67% per market rent on page 53 | Initial |  | TAPE CORRECT- Subject property is an XX, refer to GL = 2.61 is correct |
| 900001015 | XX | XX |  |  | Loan Origination Source Type (S&P) | Correspondent - Bulk [3] | Retail [1] |  |  | Loan closed in the lender of record/correspondent.. | Initial |  | NOT ON TAPE |
| 900001014 | XX | XX |  |  | B1 Self-Employed? | Unavailable | No |  |  |  | Initial |  | ONE IN THE SAME- NO EMPLOYMENT/INCOME REQUIRED |
| 900001014 | XX | XX |  |  | B1 SSN | XX | XX |  |  | XX - per final 1003 in file. | Initial |  | TAPE ALREADY UPDATED |
| 900001014 | XX | XX |  |  | Borrower First Name | XX | XX |  |  | B1 first name is XX, B2 first name is XX | Initial |  | TAPE ALREADY UPDATED |
| 900001014 | XX | XX |  |  | Borrower Last Name | XX | XX |  |  | B1 last name XX, B2 last name XX | Initial |  | TAPE ALREADY UPDATED |
| 900001014 | XX | XX |  |  | Debt Service Coverage Ratio | 3.379 | 1.380 | 1.999 | 144.86% | DSCR 3.379% per market rent on page 85 | Initial |  | TAPE CORRECT- Subject property is an XX, refer to GL = 1.38 is correct |
| 900001014 | XX | XX |  |  | Loan Origination Source Type (S&P) | Correspondent - Bulk [3] | Retail [1] |  |  |  | Initial |  | NOT ON TAPE |
| 900001014 | XX | XX |  |  | MI Coverage Amount | XX | XX |  |  | Loan closed as the lender of record/correspondent. | Initial |  | ONE IN THE SAME |
| 900001018 | XX | XX |  |  | B1 Self-Employed? | Unavailable | No |  |  |  | Initial |  | ONE IN THE SAME- NO EMPLOYMENT/INCOME REQUIRED |
| 900001018 | XX | XX |  |  | Debt Service Coverage Ratio | 1.004 | 1 | 0.004 | 0.40% | rounding issue | Initial |  | TAPE CORRECT- ROUNDING |
| 900001018 | XX | XX |  |  | Loan Origination Source Type (S&P) | Correspondent - Bulk [3] | Retail [1] |  |  | Loan closed in the name of the lender of record/correspondent. | Initial |  | NOT ON TAPE |
| 900000988 | XX | XX |  |  | Borrower DTI Ratio Percent | 46.211% | 46.217% | -0.006% | -0.01% | 46.211% - per documentation in file | Initial |  | TAPE CORRECT- WITHIN 3% VARIANCE |
| 900000987 | XX | XX |  |  | Borrower DTI Ratio Percent | 17.789% | 17.791% | -0.002% | -0.00% |  | Initial |  | TAPE CORRECT- WITHIN 3% VARIANCE |
| 900000987 | XX | XX |  |  | Property Address Street | XX | XX |  |  | one and same | Initial |  | UPDATED TAPE |
| 900000987 | XX | XX |  |  | Representative Score | 754 | 776 | -22 | -2.84% | Per the current CBR in file. 754 is mid score | Initial |  | UPDATED TAPE |
| 900000985 | XX | XX |  |  | Property Address Street | XX | XX |  |  | Property address street is XX, based on the Note and Appraisal. | Initial |  | UPDATED TAPE |
| 900001025 | XX | XX |  |  | Borrower DTI Ratio Percent | 39.950% | 39.167% | 0.783% | 0.78% | Variance due to rounding | Initial |  | TAPE CORRECT- WITHIN 3% VARIANCE |
| 900001024 | XX | XX |  |  | Borrower DTI Ratio Percent | 9.512% | 9.413% | 0.099% | 0.10% | 9.512% - per documentation in file. | Initial |  | TAPE CORRECT- WITHIN 3% VARIANCE |
| 900000994 | XX | XX |  |  | B1 Citizenship Status | Not Applicable | US Citizen |  |  |  | Initial |  | **Recovco is using LLC as borrower 1** |
| 900000994 | XX | XX |  |  | B1 SSN | XX | XX |  |  |  | Initial |  | **Recovco is using LLC as borrower 1** |
| 900000994 | XX | XX |  |  | Borrower First Name | XX | XX |  |  |  | Initial |  | **Recovco is using LLC as borrower 1** |
| 900000994 | XX | XX |  |  | Borrower Last Name | XX | XX |  |  |  | Initial |  | **Recovco is using LLC as borrower 1** |
| 900000994 | XX | XX |  |  | Debt Service Coverage Ratio | 1.811 | 1.78 | 0.031 | 1.74% |  | Initial |  | TAPE CORRECT-DD firm did not follow GL – Lease are less than Appraisal. Lease 2,927 / PITIA 1,638.50 |
| 900000997 | XX | XX |  |  | Borrower DTI Ratio Percent | 36.074% | 3754.000% | -3717.926% | -3717.93% | Audit used the correct decimal places | Initial |  | TAPE CORRECT- ROUNDING. WITHIN 3% VARIANCE |
| 900001011 | XX | XX |  |  | Debt Service Coverage Ratio | 1.126 | 1.120 | 0.006 | 0.54% | rounding issue. | Initial |  | TAPE CORRECT- ROUNDING |
| 900001030 | XX | XX |  |  | B1 Citizenship Status | US Citizen | Non-Resident Alien |  |  | US Citizen per final 1003 | Initial |  | UPDATED TAPE |
| 900001030 | XX | XX |  |  | Borrower DTI Ratio Percent | 37.600% | 3613.000% | -3575.400% | -3575.40% | 37.60% - per documentation in file. | Initial |  | TAPE CORRECT- ROUNDING. WITHIN 3% VARIANCE |
| 900001030 | XX | XX |  |  | Loan Origination Source Type (S&P) | Broker [2] |  |  |  | broker per final CD | Initial |  | NOT ON TAPE |
| 900001029 | XX | XX |  |  | B1 Citizenship Status | US Citizen | Non-Resident Alien |  |  | US - per 1003 | Initial |  | UPDATED TAPE |
| 900001029 | XX | XX |  |  | Borrower DTI Ratio Percent | 37.599% | 3754.000% | -3716.401% | -3716.40% | 37.599% - per documentation in file. | Initial |  | TAPE CORRECT- ROUNDING. WITHIN 3% VARIANCE |
| 900001029 | XX | XX |  |  | Loan Origination Source Type (S&P) | Broker [2] |  |  |  | Broker- per final 1003 and CD | Initial |  | NOT ON TAPE |
| 900001010 | XX | XX |  |  | Debt Service Coverage Ratio | 3.440 | 3.130 | 0.310 | 9.90% | The DSCR of 3.44 0is calculated using the lease amount of $4,121.10 | Initial |  | TAPE CORRECT-DD firm did not follow GL for using current leases. Lease 3,761.31 / PITIA 1,197.96 = 3.13 |
| 900000984 | XX | XX |  |  | Borrower DTI Ratio Percent | 17.346% | 38.274% | -20.928% | -20.93% | Income verified using 1065 with losses, reduced total income and increased DTI | Initial |  | TAPE CORRECT- PER SCORECARD 5/18/2022 |
| 900000990 | XX | XX |  |  | B1 SSN | XX | XX |  |  |  | Initial |  | **Recovco is using LLC as borrower 1** |
| 900000990 | XX | XX |  |  | Debt Service Coverage Ratio | 1.144 | 1.080 | 0.064 | 5.93% | The DSCR of 1.14 is calculated using market rent of $2,100. | Initial |  | TAPE CORRECT- DD error –. Market Rent 2,100 / PITIA 1,928.14 = 1.08 |
| 900000990 | XX | XX |  |  | Property Address Street | XX | XX |  |  | One and the same. | Initial |  | ONE IN THE SAME |
| 900000999 | XX | XX |  |  | B1 Citizenship Status | US Citizen | Non-Resident Alien |  |  | US - per 1003 | Initial |  | UPDATED TAPE |
| 900000999 | XX | XX |  |  | Borrower DTI Ratio Percent | 18.959% | 1942.000% | -1923.041% | -1923.04% | 18.959% - per documentation in file. | Initial |  | TAPE CORRECT- ROUNDING. WITHIN 3% VARIANCE |
| 900000999 | XX | XX |  |  | Loan Origination Source Type (S&P) | Broker [2] |  |  |  | Broker - per final CD and 1003 in file. | Initial |  | NOT ON TAPE |
| 900000996 | XX | XX |  |  | Borrower DTI Ratio Percent | 41.706% | 3751.000% | -3709.294% | -3709.29% | Audit is showing with correct decimal places. | Initial |  | TAPE CORRECT- ROUNDING ON RECOVCO TAPE VALUE. DTI 37.51 |
| 900000996 | XX | XX |  |  | Loan Origination Source Type (S&P) | Correspondent - Bulk [3] |  |  |  | No data to compare | Initial |  | NOT ON TAPE |
| 900000998 | XX | XX |  |  | Borrower DTI Ratio Percent | 40.417% | 3633.000% | -3592.583% | -3592.58% | Audit used the accurate decimal places | Initial |  | NEITHER CORRECT- UPDATED TAPE TO 33.33 |
| 900000998 | XX | XX |  |  | Loan Origination Source Type (S&P) | Correspondent - Bulk [3] |  |  |  | No data to compare | Initial |  | NOT ON TAPE |
| 900000993 | XX | XX |  |  | Borrower DTI Ratio Percent | 20.820% | 23.000% | -2.180% | -2.18% |  | Initial |  | TAPE CORRECT- WITHIN 3% VARIANCE |
| 900000993 | XX | XX |  |  | Property Address Street | XX | XX |  |  | The property address street is XX, based on the Note and Appraisal Report. | Initial |  | TAPE ALREADY UPDATED |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 12**

---

| |
|:---|
| **S&P QM-ATR** |
| **Run Date - 9/16/2022** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Loan #3** | **Pool** | **Borrower Last Name** | **Borrower First Name** | **Coborrower Last Name** | **Coborrower First Name** | **Property Address** | **Property City** | **State** | **Zip Code** | **TILA Status** | **QM Status** | **Application Date** | **GSE Eligible** | **Points and Fees (Reg Z)** | **Rate Lock Date** | **APR** | **Employment Indicator (Borrower)** | **Employment Indicator (Coborrower)** | **Citizenship Status (Borrower)** | **Citizenship Status (Coborrower)** | **Residual Income** |
| 900001006 | XX | XX |  |  | July - DSCR Loans Q3 2022 |  |  |  |  | XX | XX | Oklahoma | XX | Not Covered/Exempt | Not Covered/Exempt | XX |  |  |  |  |  |  |  |  |  |
| 900001004 | XX | XX |  |  | Non-QM Smart Loans Q3 2022 | XX | XX | XX | XX | XX | XX | Michigan | XX | Non-QM/Compliant | Non-QM/Compliant | XX | No | $5419.00 | 06/08/2022 | 8.432% | Employed | Unemployed | US Citizen | US Citizen | $11918.22 |
| 900001023 | XX | XX |  |  | Non-QM Smart Loans Q3 2022 | XX | XX |  |  | XX | XX | Michigan | XX | Non-QM/Compliant | Non-QM/Compliant | XX | No | $5075.00 | 06/10/2022 | 8.027% | Employed |  | US Citizen |  | $13392.87 |
| 900001019 | XX | XX |  |  | Non-QM Smart Loans Q3 2022 | XX | XX |  |  | XX | XX | Florida | XX | Non-QM/Compliant | Non-QM/Compliant | XX | No | $11929.69 | 06/14/2022 | 8.002% | Employed |  | US Citizen |  | $47955.38 |
| 900001003 | XX | XX |  |  | Non-QM Smart Loans Q3 2022 | XX | XX |  |  | XX | XX | New Jersey | XX | QM/APOR HPML | QM/APOR HPML | XX | Yes | $5415.00 | 06/02/2022 | 8.823% | Employed |  | US Citizen |  | $5753.95 |
| 900000986 | XX | XX |  |  | July - DSCR Loans Q3 2022 | XX | XX |  |  | XX | XX | California | XX | Not Covered/Exempt | Not Covered/Exempt | XX |  |  |  |  |  |  | US Citizen |  |  |
| 900001008 | XX | XX |  |  | Non-QM Smart Loans Q3 2022 | XX | XX | XX | XX | XX | XX | Texas | XX | Not Covered/Exempt | Not Covered/Exempt | XX | Yes |  | 06/13/2022 |  | Employed | Employed | US Citizen | US Citizen | $7539.09 |
| 900000989 | XX | XX |  |  | Non-QM Smart Loans Q3 2022 | XX | XX |  |  | XX | XX | Florida | XX | Non-QM/Compliant | Non-QM/Compliant | XX | No | $40700.00 | 04/21/2022 | 5.376% | Employed |  | US Citizen |  | $11782.97 |
| 900001007 | XX | XX |  |  | July - DSCR Loans Q3 2022 | XX | XX |  |  | XX | XX | California | XX | Not Covered/Exempt | Not Covered/Exempt | XX |  |  |  |  |  |  | US Citizen |  |  |
| 900001013 | XX | XX |  |  | June - DSCR Loans Q2 2022 | XX | XX |  |  | XX | XX | Florida | XX | Not Covered/Exempt | Not Covered/Exempt | XX |  |  |  |  |  |  | US Citizen |  |  |
| 900001012 | XX | XX |  |  | June - DSCR Loans Q2 2022 | XX | XX |  |  | XX | XX | Florida | XX | Not Covered/Exempt | Not Covered/Exempt | XX |  |  |  |  |  |  | US Citizen |  |  |
| 900000991 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | XX | XX | XX | XX | XX | XX | California | XX | Non-QM/Compliant | Non-QM/Compliant | XX | No | $11825.00 | 05/05/2022 | 5.119% | Employed | Retired | US Citizen | US Citizen | $7614.17 |
| 900001015 | XX | XX |  |  | June - DSCR Loans Q2 2022 |  |  |  |  | XX | XX | Michigan | XX | Not Covered/Exempt | Not Covered/Exempt | XX |  |  |  |  |  |  |  |  |  |
| 900001014 | XX | XX |  |  | June - DSCR Loans Q2 2022 | XX | XX | XX | XX | XX | XX | Michigan | XX | Not Covered/Exempt | Not Covered/Exempt | XX |  |  |  |  |  |  | US Citizen | US Citizen |  |
| 900001018 | XX | XX |  |  | June - DSCR Loans Q2 2022 | XX | XX |  |  | XX | XX | South Carolina | XX | Not Covered/Exempt | Not Covered/Exempt | XX |  |  |  |  |  |  | US Citizen |  |  |
| 900000988 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | XX | XX |  |  | XX | XX | North Carolina | XX | QM/APOR SH | QM/APOR SH | XX | Yes | $11208.59 | 11/03/2021 | 3.697% | Employed |  | US Citizen |  | $2163.12 |
| 900000987 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | XX | XX |  |  | XX | XX | Florida | XX | Non-QM/Compliant | Non-QM/Compliant | XX | No | $8805.90 | 03/04/2022 | 4.720% | Employed |  | US Citizen |  | $18132.44 |
| 900000985 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | XX | XX |  |  | XX | XX | Florida | XX | Non-QM/Compliant | Non-QM/Compliant | XX | No | $8980.63 | 05/11/2022 | 6.006% | Retired |  | US Citizen |  | -$10598.42 |
| 900001025 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | XX | XX |  |  | XX | XX | Tennessee | XX | Non-QM/Compliant | Non-QM/Compliant | XX | No | $14851.00 | 05/06/2022 | 7.395% | Employed |  | US Citizen |  | $12260.14 |
| 900001024 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | XX | XX |  |  | XX | XX | Georgia | XX | Non-QM/Compliant | Non-QM/Compliant | XX | No | $12901.80 | 05/26/2022 | 6.928% | Employed |  | US Citizen |  | $73036.15 |
| 900000994 | XX | XX |  |  | June - DSCR Loans Q2 2022 |  |  |  |  | XX | XX | California | XX | Not Covered/Exempt | Not Covered/Exempt | XX |  |  |  |  |  |  |  |  |  |
| 900000997 | XX | XX |  |  | June - Non-QM Smart Loans Q2 2022 | XX | XX |  |  | XX | XX | Ohio | XX | Not Covered/Exempt | Not Covered/Exempt | XX | No |  | 03/31/2022 |  | Employed |  | Non-Resident Alien |  | $16529.00 |
| 900001011 | XX | XX |  |  | June - DSCR Loans Q2 2022 | XX | XX |  |  | XX | XX | Florida | XX | Not Covered/Exempt | Not Covered/Exempt | XX |  |  |  |  |  |  | US Citizen |  |  |
| 900001030 | XX | XX |  |  | NRMLT 2022-NQM5 | XX | XX |  |  | XX | XX | Ohio | XX | Not Covered/Exempt | Not Covered/Exempt | XX | No |  | 03/31/2022 |  | Employed |  | US Citizen |  | $15716.25 |
| 900001029 | XX | XX |  |  | NRMLT 2022-NQM5 | XX | XX |  |  | XX | XX | Ohio | XX | Not Covered/Exempt | Not Covered/Exempt | XX | No |  | 03/31/2022 |  | Employed |  | US Citizen |  | $15716.49 |
| 900001010 | XX | XX |  |  | NRMLT 2022-NQM5 |  |  |  |  | XX | XX | Michigan | XX | Not Covered/Exempt | Not Covered/Exempt | XX |  |  |  |  |  |  |  |  |  |
| 900000984 | XX | XX |  |  | NRMLT 2022-NQM5 | XX | XX |  |  | XX | XX | California | XX | Non-QM/Compliant | Non-QM/Compliant | XX | No | $21768.25 | 03/01/2022 | 4.373% | Employed |  | US Citizen |  | $35395.14 |
| 900000992 | XX | XX |  |  | NRMLT 2022-NQM5 | XX | XX |  |  | XX | XX | Ohio | XX | QM/APOR SH | QM/APOR SH | XX | Yes | $5905.00 | 04/26/2022 | 6.756% | Employed |  | US Citizen |  | $1410.63 |
| 900000990 | XX | XX |  |  | NRMLT 2022-NQM5 |  |  |  |  | XX | XX | New Jersey | XX | Not Covered/Exempt | Not Covered/Exempt | XX |  |  |  |  |  |  |  |  |  |
| 900000999 | XX | XX |  |  | NRMLT 2022-NQM5 | XX | XX |  |  | XX | XX | Hawaii | XX | Non-QM/Compliant | Non-QM/Compliant | XX | No | $5037.72 | 04/05/2022 | 6.859% | Employed |  | US Citizen |  | $23011.46 |
| 900000996 | XX | XX |  |  | NRMLT 2022-NQM5 | XX | XX |  |  | XX | XX | Ohio | XX | Not Covered/Exempt | Not Covered/Exempt | XX | No |  | 03/31/2022 |  | Employed |  | Non-Resident Alien |  | $15072.74 |
| 900000998 | XX | XX |  |  | NRMLT 2022-NQM5 | XX | XX |  |  | XX | XX | Ohio | XX | Not Covered/Exempt | Not Covered/Exempt | XX | No |  | 03/31/2022 |  | Employed |  | Non-Resident Alien |  | $15406.01 |
| 900000993 | XX | XX |  |  | NRMLT 2022-NQM5 | XX | XX |  |  | XX | XX | Washington | XX | Non-QM/Compliant | Non-QM/Compliant | XX | No | $5590.00 | 05/04/2022 | 6.811% | Employed |  | US Citizen |  | $7300.09 |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 13**

---

| |
|:---|
| **Exception Level** |
| **Run Date - 9/XX/2022** |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Recovco Loan ID** | **Loan # 1** | **Loan # 2** | **Loan # 3** | **Exception Category** | **Exception Sub-Category** | **Exception Status** | **Exception Grade** | **Loan Exception ID** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Seller Comments** | **Reviewer Comments** | **Exception Remediation** |
| 900001006 | XX | XX |  |  | Credit | Guidelines | Active | 2: Acceptable with Warnings | KYQ1P0MVNLW-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 2) | The guidelines, section 35, documentation requires for refinance transaction: the most recent lease agreement and Single Family Comparable Rent Schedule (Form 1007/1000) is required to determine the monthly rent. The subject property is currently vacant due to remodeling. The file included an approved exception (page 372) to used the market rent to calculate the DSCR as the property is currently vacant due to remodeling. | 65% LTV is below the maximum 75% LTV by 10%<br> 765 Representative credit score exceeds the minimum required credit score of 680 by 85 Points. |  |  |  |
| 900001004 | XX | XX |  |  | Compliance | Disclosures | Active | 2: Acceptable with Warnings | GV13PBKS200-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, 6/XX/2022. |  |  |  |  |
| 900001003 | XX | XX |  |  | Compliance | Compliance | Resolved | Resolved | FFNK3U4UROK-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on 6/XX/2022 was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $95.00 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | There is another XX loan ending in XXXX from 04/XX/2022. The docs such as the initial LE and 1003<br> datedXX and XX are associated with that file, which is NOT the correct loan here. When it was<br> determined the subject property condo was non-warrantable this loan was denied. The buyer wanted<br> to purchase the property anyway so we advised him that we could do the deal under a Non-QMproduct<br> which he was accepting of. We created a new file XX as a non-warrantable condo with a nondelegated<br> Non-QM lender and closed the loan. The initial application and LE dated XX is the correct<br> documents for this loan, loan ending in #XX. The loan with XX initial docs ending in XX is<br> the CORRECT loan. All other docs should be ignored. | 7/XX/2022 Resolved. The information provided is sufficient to cure the violation. Because the initial LE has a different loan number, it was omitted from test. | 7/XX/2022 Resolved. The information provided is sufficient to cure the violation. Because the initial LE has a different loan number, it was omitted from test. |
| 900001007 | XX | XX |  |  | Credit | Credit | Active | 2: Acceptable with Warnings | QHT00E5NSZR-DSRS151W | DSCR Is Not Eligible | \* DSCR Is Not Eligible (Lvl 2) | The subject transaction cash out refinance. The guidelines require a minimum DSCR of 1.15%. The DSCR was calculated using market rent $3,300/$3,246.84 resulting in a DSCR of 1.02%. The file included an approved exception (page 263) to vest loan with delayed financing. The guidelines do not address delayed financing. | '39.39% LTV is below the maximum 75% LTV by 35.61%<br> 765 Representative credit score exceeds the minimum required credit score of 720 by 45 Points.<br> $1,624,192.38 reserves exceed the minimum required of $19,481.04 exceeds the minimum by 494.24 months over the required minimum.<br> 0x30 mortgage history for 68 months. |  |  |  |
| 900000991 | XX | XX |  |  | Compliance | Compliance | Active | 2: Acceptable with Warnings | 25IVHHMSG3O-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees was not accepted because the change was not disclosed within 3-business days: Appraisal Re-Inspection Fee. The change occurred on 6/XX/2022; however, the disclosure was not issued until 6/XX/2022. A cost to cure in the amount of $160.00 is required. The defect can be cured by reimbursing the consumer or providing evidence that the change was disclosed within 3-business days. If curing with a reimbursement, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | 7/XX/2022 This loan had a tolerance violation at consummation and it was resolved no later than 60 days after consummation. Because the violation was cured timely, grade is EV2 (B).  | 7/XX/2022 This loan had a tolerance violation at consummation and it was resolved no later than 60 days after consummation. Because the violation was cured timely, grade is EV2 (B).  |
| 900000991 | XX | XX |  |  | Compliance | Compliance | Active | 2: Acceptable with Warnings | 25IVHHMSG3O-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl 2) | The PCCD issued 7/XX/2022 is inaccurate. The amount of reimbursement includes the lender credit provided on CD 6/XX/2022. The reimbursement should have been for $160 instead of $336. |  |  |  |  |
| 900001018 | XX | XX |  |  | Credit | Doc Issue | Resolved | Resolved | 1EKKOGY5WB2-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title commitment $XX was less than the loan amount of $XX. | $437,402.36 reserves exceed the minimum required of $34,685.40 exceeds the minimum by 174 months over the required minimum. <br> 693 Representative credit score exceeds the minimum required credit score of 660 by 33 Points. <br>|  | 7/XX/2022: Resolved. Commitment with correct loan amount received. | 7/XX/2022: Resolved. Commitment with correct loan amount received. |
| 900000988 | XX | XX |  |  | Compliance | Compliance | Active | 2: Acceptable with Warnings | QAEZ1QHSNE2-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees was not accepted because the change was not disclosed within 3-business days: Appraisal Fee #2. The change occurred on 5/XX/2022; however, the disclosure was not issued until 5/XX/2022. A cost to cure in the amount of $695 is required. The defect can be cured by reimbursing the consumer or providing evidence that the change was disclosed within 3-business days. If curing with a reimbursement, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  | 6/XX/22 Mailing label, copy of refund check, LOE to consumer and PCCD issued 6/XX/22 were received. | 6/XX/2022 Resolved. The refund and documentation provided are sufficient to cure the violation. Because it was cured timely (no later than 60 days after consummation), violation is an EV2 (B-minor) | 6/XX/2022 Resolved. The refund and documentation provided are sufficient to cure the violation. Because it was cured timely (no later than 60 days after consummation), violation is an EV2 (B-minor) |
| 900000987 | XX | XX |  |  | Credit | Credit | Resolved | Resolved | FYMYLT5HOMB-BGXHGJCO | Unable to verify PITI on other mortgage debt (ATR) | \* Unable to verify PITI on other mortgage related obligations (ATR) (Lvl R) | Missing verification of PITI for rental property on XXXX The 1003 shows no mortgage for the property, but REO report on page 303 indicates there is a mortgage to XX for $XX. No documentation in file to validate. Used lender figures for PITI to calculate ratios pending validation. |  |  | 6/XX/2022: Resolved. Credit supplement in file shows the mortgage has been paid off. Tax, insurance, and HOA information in file to support the amount used on the final 1003. | 6/XX/2022: Resolved. Credit supplement in file shows the mortgage has been paid off. Tax, insurance, and HOA information in file to support the amount used on the final 1003. |
| 900000987 | XX | XX |  |  | Compliance | Compliance | Active | 2: Acceptable with Warnings | FYMYLT5HOMB-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl 2) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fees on 5/XX/22 was not accepted because a valid change of circumstance was not provided: Title Bringdown Fee. A cost to cure in the amount of $75.00 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | LOE, refund check, PCCD and mailing label | 6/XX/2022 Resolved. The refund and documentation provided are sufficient to cure the violation. Because it was cured timely (no later than 60 days after consummation), violation is an EV2 (B-minor) | 6/XX/2022 Resolved. The refund and documentation provided are sufficient to cure the violation. Because it was cured timely (no later than 60 days after consummation), violation is an EV2 (B-minor) |
| 900001025 | XX | XX |  |  | Compliance | Compliance | Resolved | Resolved | GYB5K0E5NO3-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on 5/XX/22 was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $75.00 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | COC dated 5/XX/2022 | 6/XX/2022 Resolved. The COC dated 5/XX/2022 resolved the tolerance violation. | 6/XX/2022 Resolved. The COC dated 5/XX/2022 resolved the tolerance violation. |
| 900000997 | XX | XX |  |  | Credit | Credit | Resolved | Resolved | HLYJT4XMQOJ-JTR5EY70 | Unable to verify PITI on simultaneous loan (ATR) | \* Unable to verify PITI on simultaneous loan (ATR) (Lvl R) | Mortgage documents are not in the current loan file for properties at XX and XX addresses. |  |  | 6/XX/2022: Resolved. Received final CD for XX with a PITI of $2018.59 and XX with a PITI of $2386.18 | 6/XX/2022: Resolved. Received final CD for XX with a PITI of $2018.59 and XX with a PITI of $2386.18 |
| 900001030 | XX | XX |  |  | Valuation | Doc Issue | Resolved | Resolved | LH3ILYSEPDI-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl R) | Missing full appraisal from the loan file. |  |  | 6/XX/2022: Resolved. Received full appraisal | 6/XX/2022: Resolved. Received full appraisal |
| 900001030 | XX | XX |  |  | Credit | Credit | Resolved | Resolved | LH3ILYSEPDI-JTR5EY70 | Unable to verify PITI on simultaneous loan (ATR) | \* Unable to verify PITI on simultaneous loan (ATR) (Lvl R) | Missing PITIA documentation from the loan file for the following properties:<br> XX |  |  | 6/XX/2022: Resolved. Received final CD forXX with PITI of $1821.04, XX with PITI of $2417.78, XX with PITI of $2018.59, andXX with PITI of $2438.77 | 6/XX/2022: Resolved. Received final CD for XX with PITI of $1821.04, XX with PITI of $2417.78, XXr with PITI of $2018.59, and XX with PITI of $2438.77 |
| 900001030 | XX | XX |  |  | Credit | Credit | Resolved | Resolved | LH3ILYSEPDI-PXITUQYJ | 1003 Application [information not provide] | \* 1003 Application [information not provide] (Lvl R) | Missing full executed initial 1003 from the loan file. |  |  | 6/XX/2022: Resolved. Received fully executed initial 1003 | 6/XX/2022: Resolved. Received fully executed initial 1003 |
| 900001029 | XX | XX |  |  | Credit | Credit | Resolved | Resolved | NP2NBQVOKT1-JTR5EY70 | Unable to verify PITI on simultaneous loan (ATR) | \* Unable to verify PITI on simultaneous loan (ATR) (Lvl R) | Missing documentation to support the PITI for the follow properties:<br> XX |  |  | 6/XX/2022: Resolved. Received final CD for XX with a PITI of $1821.04, XX with a PITI of $2417.78, XXwith a PITI of $2018.59, andXX with a PITI of $2438.77 | 6/XX/2022: Resolved. Received final CD for XX with a PITI of $1821.04, XX with a PITI of $2417.78, XX with a PITI of $2018.59, and XX with a PITI of $2438.77 |
| 900000984 | XX | XX |  |  | Compliance | Doc Issue | Resolved | Resolved | NKRZVE2PL45-Q2HOX7RO | Not all title holders executed ROR | \* Not all title holders executed ROR (Lvl R) | The Right to Cancel Notice was not signed and dated by the NB with right to rescind. |  | The borrower held title as sole and separate property prior to placing the property into a trust back in 2006, no spousal joinder would be required if they removed the property back out of the trust. | 7/XX/2022 Resolved. The information provided is sufficient to cure the finding. | 7/XX/2022 Resolved. The information provided is sufficient to cure the finding. |
| 900000984 | XX | XX |  |  | Compliance | Compliance | Resolved | Resolved | NKRZVE2PL45-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | There is no evidence of an initial CD and revised CD provided to the non-borrower. Per regulation, CD(s) must be provided to all who have the right to rescind. The defect can be resolved by providing evidence showing the non-borrower received the disclosure timely. If disclosure was received electronically, the Econsent is required as well. |  | The borrower held title as sole and separate property prior to placing the property into a trust back in 2006, no spousal joinder would be required if they removed the property back out of the trust. | 7/XX/2022 Resolved. The information provided is sufficient to cure the violation. | 7/XX/2022 Resolved. The information provided is sufficient to cure the violation. |
| 900000984 | XX | XX |  |  | Credit | Credit | Active | 2: Acceptable with Warnings | NKRZVE2PL45-NUWHQML7 | Credit history inadequate/does not meet g/l (ATR) | \* Credit history insufficient/does not meet guidelines (ATR) (Lvl 2) | The mortgages at XX and XX had 1 time over 30 on each, with different dates in the last 6 months. One is January 2022 and other April 2022. Prior to this. only 30 day late was in January 2020 with XX. Reference pages 787 and 1606. Compensating factors are valid and are noted here for the 2 times over 30. | Reserves - The verified reserves are 63.92 more months than the required of 11 months. (primary plus 4 REOs)<br>Primary Residence - The subject property is Primary Residence<br>LTV - The LTV is 49% which is 31% below the maximum of 80%. |  |  |  |
| 900000990 | XX | XX |  |  | Credit | Doc Issue | Resolved | Resolved | 0OEE2QJYJOM-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl R) | The loan file did not contain a complete title; only the schedule B was provided. Page 553 of the loan file is an invoice from XX; however, the title policy is missing from the file. |  | The lender provided the title. | 6.17.2022: Resolved. The lender provided the title.  | 6.17.2022: Resolved. The lender provided the title.  |
| 900000996 | XX | XX |  |  | Credit | Credit | Resolved | Resolved | 5RZBJQBL1R1-JTR5EY70 | Unable to verify PITI on simultaneous loan (ATR) | \* Unable to verify PITI on simultaneous loan (ATR) (Lvl R) | Mortgage documents are not in the current loan file for properties at XX and XX addresses. |  |  | 6/XX/2022: Resolved. Received final CD for XX with a PITI of $1821.04, XX with a PITI of $2417.78, XX with a PITI of $2018.59, XX with a PITI of $2018.59 and XX with a PITI of $2438.77 | 6/XX/2022: Resolved. Received final CD for XX with a PITI of $1821.04, XX with a PITI of $2417.78, XX with a PITI of $2018.59, XX with a PITI of $2018.59 and XX with a PITI of $2438.77 |
| 900000998 | XX | XX |  |  | Credit | Credit | Resolved | Resolved | Z40OAAKAIC3-JTR5EY70 | Unable to verify PITI on simultaneous loan (ATR) | \* Unable to verify PITI on simultaneous loan (ATR) (Lvl R) | Mortgage documents are not in the current loan file for properties at XX addresses. |  |  | 6/XX/2022: Resolved. Received final CD for XX with a PITI of $2417.78,XX with a PITI of $2018.59, and XX with a PITI of $2018.59 | 6/XX/2022: Resolved. Received final CD for XX with a PITI of $2417.78, XX with a PITI of $2018.59, and XX with a PITI of $2018.59 |
| 900000993 | XX | XX |  |  | Credit | Credit Worthiness | Resolved | Resolved | 1SP1TNRPXQX-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | The NewRez guidelines dated 9/XX/2021 p. 14 reflects the requirement to verify the housing payment history as 0x30x12 since the previous mortgage was modified/ The file is missing verification of the pay history. |  |  | 6/XX/2022: Resolved. Received loan details for XX with a mortgage history of 12 months | 6/XX/2022: Resolved. Received loan details for XX with a mortgage history of 12 months |
| 900000993 | XX | XX |  |  | Compliance | Disclosures | Resolved | Resolved | 1SP1TNRPXQX-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with a new creditor; however, the version provided is for a refinance with the same creditor. Version H-9 was provided; Version H-8 was required. The defect can be resolved by opening rescission and providing the correct ROR version. |  | rescission period expiration | 6/XX/2022 Remains. Although the correct Right To Cancel was sent, the consumer has until 06/XX/2022 to rescind. The loan will be resolved once the rescission period has expired.<br>6/XX/2022 Resolved. The rescission period expiration resolved the violation. | 6/XX/2022 Remains. Although the correct Right To Cancel was sent, the consumer has until 06/XX/2022 to rescind. The loan will be resolved once the rescission period has expired.<br>6/XX/2022 Resolved. The rescission period expiration resolved the violation. |
| 900000993 | XX | XX |  |  | Credit | Doc Issue | Resolved | Resolved | 1SP1TNRPXQX-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl R) | The file is missing proof of insurance for the borrower. |  |  | 6/XX/2022: Resolved. Master policy received with fill walls in coverage. HO6 not required.<br>6/XX/2022: Remains. Received master policy. Missing proof of insurance for the borrower | 6/XX/2022: Resolved. Master policy received with fill walls in coverage. HO6 not required.<br>6/XX/2022: Remains. Received master policy. Missing proof of insurance for the borrower |
| 900000993 | XX | XX |  |  | Credit | Eligibility | Active | 2: Acceptable with Warnings | 1SP1TNRPXQX-GBBTF6MZ | Qual Credit Score does not meet elig. requirements | \* Qualifying Credit Score does not meet eligibility requirement(s) (Lvl 2) | The XX guidelines dated 9/XX/2021 p. 1 reflects the requirement for a credit score of 680 for a cash out refinance and the credit report reflects the borrowers score as 678. Exception received dated 5/XX/2022 for 678 credit score vs min credit score of 680 for cash out. Compensating factors listed, 46.97 :TV vs 75% max, $22,000 in reserves vs $15,000 required, 27 years self employed and 35% DTI. | Borrower has $17,960 in reserves vs $15,000 required. <br> LTV is 53.64% vs 75% max<br> $7,000 in residual income vs $2,000 required<br> 28 years self employed |  |  |  |

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## Exhibit 99.6

**Exhibit 99.6**

![](ex99-6_003.jpg)

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| |
|:---|
| NRMLT 2026-NQM1 |
| ![](ex99-6_001.jpg) |

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**January 06, 2026<br> Due Diligence Narrative Report**

![](ex99-6_003.jpg)

**Table of Contents**

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| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &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;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &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** | **15** |

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 ****

NRMLT 2026-NQM1 Due Diligence Narrative Report Page \| 1 January 06, 2025

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 ****

**Clayton Contact Information**

Client Service Management:

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| | | |
|:---|:---|:---|
| ![](ex99-6_004.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |
| ![](ex99-6_004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

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**Overview**

On behalf of New Residential Investment Corp, Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 314 residential loans. Rithm Capital Corp. subsequently selected these loans for the NRMLT 2026-NQM1 transaction.

The loans referenced in this narrative report were reviewed on a flow loan basis from May 2022 to September 2022. 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:

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;199 | &nbsp;&nbsp;63.3758% |
| &nbsp;&nbsp;Correspondent Flow without delegated underwriting | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.3185% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;114 | &nbsp;&nbsp;36.3057% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**314** | &nbsp;&nbsp;**100.00%** |

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NRMLT 2026-NQM1 Due Diligence Narrative Report Page \| 2 January 06, 2025

![](ex99-6_003.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.

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| | |
|:---|:---|
| &nbsp;&nbsp; Review scope | &nbsp;&nbsp; # of Files Reviewed |
| &nbsp;&nbsp;Credit Review | &nbsp;&nbsp;314 |
| &nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;314 |
| &nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;309 |
| &nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;314 |

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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.

![](ex99-6_005.jpg)

NRMLT 2026-NQM1 Due Diligence Narrative Report Page \| 3 January 06, 2025

![](ex99-6_003.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 314 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 (314 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 (314 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall;

&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;· 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

For further detail please refer to the NRMLT 2026-NQM1 Valuations Summary Report

Additional valuation product was not required when CU score provided was below 2.5. In the event the CU score was equal to or greater than 2.5, additional valuation product was obtained to confirm value was supported. In some cases additional products were ordered on loans with an acceptable CU score based on guidance from the seller.

NRMLT 2026-NQM1 Due Diligence Narrative Report Page \| 4 January 06, 2025

![](ex99-6_003.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 309 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-NQM1 Due Diligence Narrative Report Page \| 5 January 06, 2025

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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-NQM1 Due Diligence Narrative Report Page \| 6 January 06, 2025

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Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 314 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 314 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;28 | &nbsp;&nbsp;91.08% |
| &nbsp;&nbsp;Borrower 1 First Time Home Buyer | &nbsp;&nbsp;35 | &nbsp;&nbsp;88.85% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;5 | &nbsp;&nbsp;98.41% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;98.73% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;46 | &nbsp;&nbsp;85.35% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;20 | &nbsp;&nbsp;93.63% |
| &nbsp;&nbsp;Ever in Foreclosure | &nbsp;&nbsp;6 | &nbsp;&nbsp;98.09% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;8 | &nbsp;&nbsp;97.45% |
| &nbsp;&nbsp;Most Recent Appraisal Value | &nbsp;&nbsp;23 | &nbsp;&nbsp;92.68% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;93.95% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;11 | &nbsp;&nbsp;96.50% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;98.73% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;99.04% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;15 | &nbsp;&nbsp;95.22% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;70 | &nbsp;&nbsp;77.71% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;5 | &nbsp;&nbsp;98.41% |
| &nbsp;&nbsp;Seller Loan Number | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.68% |

---

NRMLT 2026-NQM1 Due Diligence Narrative Report Page \| 7 January 06, 2025

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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** | 155 | 3 | 24 | 53 | **235** |
| **Final** | **B** |  | 41 | 15 | 23 | **79** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **155** | **44** | **39** | **76** | **314** |

---

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** | 218 | 3 | 10 | 18 | **249** |
| **Final** | **B** |  | 44 | 11 | 10 | **65** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **218** | **47** | **21** | **28** | **314** |

---

**<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** | 300 |  | 3 | 8 | **311** |
| **Final** | **B** |  | 3 |  |  | **3** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **300** | **3** | **3** | **8** | **314** |

---

NRMLT 2026-NQM1 Due Diligence Narrative Report Page \| 8 January 06, 2025

**<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** | 222 | 3 | 21 | 47 | **293** |
| **Final** | **B** |  | 6 | 8 | 2 | **16** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **222** | **9** | **29** | **49** | **309** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (5 loans in pool)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. 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-NQM1 Due Diligence Narrative Report Page \| 9 January 06, 2025

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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-NQM1 Due Diligence Narrative Report Page \| 10 January 06, 2025

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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

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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-NQM1 Due Diligence Narrative Report Page \| 12 January 06, 2025

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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-NQM1 Due Diligence Narrative Report Page \| 13 January 06, 2025

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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.

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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

**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)

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&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)

&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.

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

&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.

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

**<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:

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&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).

**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:

NRMLT 2026-NQM1 Due Diligence Narrative Report Page \| 19 January 06, 2025

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

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

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

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

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

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

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

NRMLT 2026-NQM1 Due Diligence Narrative Report Page \| 20 January 06, 2025

## Exhibit 99.6

**Exhibit 99.6 Schedule 1**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | Rithm Capital Corp |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | NRMLT 2026-NQM1 |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | 5/5/2022 - 9/16/2022 |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | 314 |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans In Report:* | *314* | **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** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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** | **Value** | **Variance Amount** | **Variance (%)** | **AVM FSD** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** | **Full Diligence Id** |
| 900000123 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000124 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000128 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000131 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000133 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000135 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000136 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000140 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000142 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000146 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000147 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000154 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000157 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000160 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000163 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000166 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000172 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000174 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000178 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000179 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000182 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 | XXXX |
| 900000184 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000185 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000188 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000189 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000191 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000192 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000193 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| Removed from deal | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| Removed from deal | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000203 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000204 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000205 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000209 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000213 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000217 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000218 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000220 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000222 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $XXXX | 0.97% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000223 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000228 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000229 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000233 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000234 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000236 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000237 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000238 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000241 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000242 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000244 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000246 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000248 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000249 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000251 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000252 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000256 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 0.00% | Full Appraisal | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $XXXX | -13.65% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000257 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000259 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.4 | XXXX |
| 900000260 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000261 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 0.00% | Desk | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000263 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $XXXX | -6.75% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000266 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000268 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000274 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000277 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000281 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000283 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 0.00% | Desk | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000289 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000290 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000294 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000297 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000302 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000306 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000308 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000311 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000314 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000315 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000316 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $XXXX | -5.26% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000319 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 0.00% | Desk | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 | XXXX |
| 900000322 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000323 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000325 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $XXXX | -4.76% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000326 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000332 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000335 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000336 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000339 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000340 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000341 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000344 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 | XXXX |
| Removed from deal | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 0.00% | Desk | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000348 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000350 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 | XXXX |
| 900000352 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| Removed from deal | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000358 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 0.00% | Full Appraisal | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXX |
| 900000359 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 | XXXX |
| 900000360 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000361 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000367 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000369 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000373 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000375 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $XXXX | -6.34% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000378 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000380 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000381 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000383 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000386 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| Removed from deal | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000389 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | XXXX |
| 900000390 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000396 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| Removed from deal | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 0.57% | Full Appraisal | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXX |
| 900000398 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000400 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000401 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000402 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000408 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000409 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000412 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 4.17% | Full Appraisal | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXX |
| 900000418 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000419 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $XXXX | -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% | 1 | XXXX |
| 900000420 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000423 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000426 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000432 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000437 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000440 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000441 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000447 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000448 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000453 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000457 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 | XXXX |
| 900000459 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000464 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000465 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | XXXX |
| 900000467 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000468 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000474 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000478 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000479 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000485 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000489 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000495 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000498 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000499 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000501 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000502 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000503 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000504 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000507 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000510 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000513 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000515 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000518 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000519 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000520 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000522 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000527 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000533 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 | XXXX |
| 900000535 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000541 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000544 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000548 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 0.00% | Desk | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXX |
| 900000554 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000555 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000556 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000558 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000559 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000560 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000563 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000564 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000567 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000568 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $XXXX | -0.09% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000574 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000576 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000578 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 5.42% | Full Appraisal | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXX |
| 900000581 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000585 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000587 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000601 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000605 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000607 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000609 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000611 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 | XXXX |
| 900000615 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000618 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000620 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000621 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000623 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000629 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $XXXX | -2.22% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000634 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000637 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000638 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000643 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| Removed from deal | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000646 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000647 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXX |
| 900000648 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000651 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000653 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000660 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000662 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| Removed from deal | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000670 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000674 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000675 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $XXXX | 42.22% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000676 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000680 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 1.03% | Full Appraisal | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXX |
| 900000681 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000682 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000685 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000689 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000690 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000691 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 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% | XX/XX/XXXX | $XXXX | $XXXX | 1.50% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXX |
| 900000695 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000696 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000698 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000700 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000701 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000704 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 5.04% | Full Appraisal | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXX |
| 900000707 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXX |
| 900000709 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000712 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000713 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000715 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000718 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000720 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000721 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000724 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000725 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000726 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $XXXX | -4.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000733 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000738 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000740 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000741 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000743 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $XXXX | -5.28% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000744 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000745 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 0.00% | Desk | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000746 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000747 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000752 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 6.39% | Full Appraisal | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXX |
| 900000753 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000756 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000758 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000760 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000762 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000763 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000767 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000769 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000770 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | XXXX |
| 900000772 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000785 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000787 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $XXXX | -7.46% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000788 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000792 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000793 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000796 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000799 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000805 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000808 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000811 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000812 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000814 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000818 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000824 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000826 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000828 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000832 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000834 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000835 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000837 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000838 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000840 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000843 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000847 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000849 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000855 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000860 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| Removed from deal | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000863 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000865 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000868 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000870 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 0.00% | Desk | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000872 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000874 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000878 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000879 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000880 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000884 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000886 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000887 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 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% | XX/XX/XXXX | $XXXX | $XXXX | 9.46% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXX |
| 900000893 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | XXXX |
| 900000894 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000895 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000900 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000901 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000902 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| Removed from deal | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $XXXX | -6.74% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000910 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $XXXX | -3.41% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000912 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000913 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000924 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000929 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000931 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 0.00% | Desk | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000938 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000940 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000943 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000944 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000947 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000963 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000965 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | -100.00% | XX/XX/XXXX | $XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 900000968 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 900000970 | XXXX | XXXX | $XXXX | $XXXX | $XXXX | XX/XX/XXXX | $XXXX | 1004 SFR (Mar 05) |  |  | XX/XX/XXXX | $XXXX | $XXXX | 4.20% | Full Appraisal | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXX |

---

*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 99.6

**Exhibit 99.6 Schedule 2**

---

| | |
|:---|:---|
| **Client Name:** | **Rithm Capital Corp** |
| **Client Project Name:** | **NRMLT 2026-NQM1** |
| **Start - End Dates:** | **5/5/2022 - 9/16/2022** |
| **Deal Loan Count:** | **314** |
| **ATR QM Upload** |  |
| *Loans in Report:* | *314* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 |
| 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** | **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** |
| 900000123 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.8750 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 38.4 | 0 | 38.4 | 38.4 | 38.4 | (No Data) | (No Data) | (No Data) | 9672.7 | (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) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 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 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000124 | XXXX | XXXX | XXXX | XXXX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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) | No | Yes | 1 | 8.2500 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.7 | 0 | 41.7 | 41.7 | 41.7 | (No Data) | (No Data) | (No Data) | 5538.63 | (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 | 288 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 288 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000128 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2931.41 | (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) | Yes | 3100.00 | No | (No Data) | 1.0575 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000131 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.2892 | No | Yes | 2.821 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -3408.69 | (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) | 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 | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000133 | XXXX | XXXX | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6328 | Yes | Yes | 1.728 | 1.132 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.67 | 39.66 | 39.67 | 39.66 | 39.66 | 39.66 | No | No | (No Data) | 6874 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 30 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000135 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7276 | No | No | 1.935 | 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 | 47.47 | 47.34 | 47.47 | 47.34 | 47.34 | 47.34 | Yes | Yes | Yes | 19483.39 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000136 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1014 | Yes | Yes | 2.009 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.37 | 30.37 | 30.37 | 30.37 | 30.37 | 30.37 | Yes | Yes | Yes | 13270.03 | (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 | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000140 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.2500 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.06 | 0 | 41.06 | 41.06 | 43.99 | (No Data) | (No Data) | (No Data) | 23042.03 | (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) | 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) | 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 | (No Data) | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | 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) | 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> Lease Agreement - 12 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000142 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6101 | Yes | Yes | 1.099 | 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 | 23.41 | 23.42 | 23.41 | 19.07 | 19.07 | 19.07 | Yes | Yes | Yes | 56484.72 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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 Data) | Business Bank Statements - 24 months;<br> CPA Letter with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000146 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4968 | No | No | 2.22 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.74 | 43.73 | 43.74 | 43.73 | 43.73 | 43.73 | Yes | Yes | Yes | 7789.48 | (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 | 204 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 204 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000147 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.8750 | No | No | 2.938 | (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) | -2038.17 | (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) | Yes | 2400.00 | No | (No Data) | 1.1775 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000154 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9149 | No | No | 0.161 | 0.042 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.97 | 46.92 | 46.97 | 46.92 | 46.92 | 46.92 | Yes | Yes | Yes | 14944.76 | (No Data) | 0 | (No Data) | (No Data) | 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 | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 24 | 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> CPA Letter without Income - 1 months;<br> Personal Bank Statements - 24 months | Award Letter - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000157 | XXXX | XXXX | XXXX | XXXX | NV | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | 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 | 8.1581 | Yes | Yes | 1.401 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 4.7 | 4.73 | 4.7 | 4.73 | 4.73 | 4.73 | No | No | (No Data) | 74264.08 | (No Data) | 0 | (No Data) | (No Data) | 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 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000160 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7411.85 | (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) | Yes | 7850.00 | No | (No Data) | 1.0590 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000163 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.8750 | No | No | 2.938 | (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) | -1850.35 | (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) | Yes | 2200.00 | No | (No Data) | 1.1880 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000166 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1687 | No | No | 2.89 | (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) | -2787.82 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.0044 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000172 | XXXX | XXXX | XXXX | XXXX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 21.55 | 0 | 21.55 | 21.55 | 21.55 | (No Data) | (No Data) | (No Data) | 25591.19 | (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 | 59 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 59 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000174 | XXXX | XXXX | XXXX | XXXX | MA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | Yes | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 3.875 | (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) | -2115.49 | (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 | 2400.00 | No | (No Data) | 1.1345 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000178 | XXXX | XXXX | XXXX | XXXX | VA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3174 | No | Yes | 2.759 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.56 | 43.77 | 40.56 | 43.77 | 43.77 | 43.77 | Yes | Yes | Yes | 4056.46 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 14 months | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 14 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000179 | XXXX | XXXX | XXXX | XXXX | RI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0001 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2384.93 | (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) | Yes | 2900.00 | No | (No Data) | 1.2159 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000182 | XXXX | XXXX | XXXX | XXXX | OR | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1491 | No | No | 0.106 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.41 | 45.62 | 46.41 | 45.62 | 45.62 | 45.62 | Yes | Yes | Yes | 15848.15 | (No Data) | 0 | (No Data) | (No Data) | 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 | (No Data) | 120 | Yes | (No Data) | 60 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 120 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months;<br> Written VOE - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000184 | XXXX | XXXX | XXXX | XXXX | UT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.5000 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 33.21 | 0 | 33.21 | 33.21 | 33.21 | (No Data) | (No Data) | (No Data) | 11279.51 | (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) | 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) | 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 Data) | (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 | 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> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000185 | XXXX | XXXX | XXXX | XXXX | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4439.95 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 1.0135 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000188 | XXXX | XXXX | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3808 | Yes | Yes | 4.742 | 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 | 36.57 | 37.33 | 36.57 | 37.33 | 37.33 | 37.33 | Yes | Yes | Yes | 8627.41 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000189 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | 5.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 30.24 | 0 | 30.24 | 30.24 | 30.24 | (No Data) | (No Data) | (No Data) | 7668.96 | (No Data) | 0 | (No Data) | (No Data) | 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) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 24 months;<br> Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | 1099 - 24 months;<br> Award Letter - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000191 | XXXX | XXXX | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Yes | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7974 | Yes | Yes | 2.682 | Unavailable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.86 | 35.49 | 33.86 | 35.49 | 35.49 | 35.49 | No | No | (No Data) | 3686.97 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000192 | XXXX | XXXX | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0249 | Yes | Yes | 2.591 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 12.48 | 12.48 | 12.48 | 12.48 | 12.48 | 12.48 | No | No | (No Data) | 14929.33 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000193 | XXXX | XXXX | XXXX | XXXX | NJ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | 1 | 6.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6893.83 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (No Data) | Yes | (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) | Yes | 8500.00 | 1.2330 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| Removed from deal | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.7098 | No | No | 1.634 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.99 | 50 | 49.99 | 50 | 50 | 50 | Yes | Yes | Yes | 3819.2 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| Removed from deal | XXXX | XXXX | XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.9163 | Yes | Yes | 0.189 | 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 | 14.59 | 14.19 | 14.59 | 12.95 | 12.95 | 13.41 | No | No | (No Data) | 79669.32 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 84 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 84 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000203 | XXXX | XXXX | XXXX | XXXX | MD | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4.188 | (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) | -1201.96 | (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) | Yes | 1500.00 | No | (No Data) | 1.2479 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000204 | XXXX | XXXX | XXXX | XXXX | OR | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 47.13 | 0 | 47.13 | 47.13 | 47.13 | (No Data) | (No Data) | (No Data) | 91826.5 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000205 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 5.1480 | Yes | Yes | 4.982 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.09 | 16.92 | 17.09 | 12.35 | 12.35 | 12.35 | No | No | (No Data) | 44929.65 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000209 | XXXX | XXXX | XXXX | XXXX | PA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.9498 | Yes | Yes | 3.319 | 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 | 36.88 | 36.95 | 36.88 | 36.95 | 36.95 | 36.95 | Yes | Yes | Yes | 10971.51 | (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) | Yes | (No Data) | 3 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> P & L - 3 months;<br> Personal Bank Statements - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000213 | XXXX | XXXX | XXXX | XXXX | UT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | 5.5001 | 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 | 43.31 | 0 | 43.31 | 43.31 | 43.31 | (No Data) | (No Data) | (No Data) | 7170.23 | (No Data) | 0 | (No Data) | (No Data) | 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) | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 120 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 36 | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 120 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000217 | XXXX | XXXX | XXXX | XXXX | NJ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5000 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 32.32 | 0 | 32.32 | 32.32 | 32.32 | (No Data) | (No Data) | (No Data) | 12768.54 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000218 | XXXX | XXXX | XXXX | XXXX | NJ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1876.23 | (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) | No | (No Data) | Yes | 2175.00 | 1.1592 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000220 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.7183 | No | No | 3.165 | 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 | 49.35 | 49.25 | 49.35 | 49.25 | 49.25 | 49.25 | Yes | Yes | Yes | 4986.24 | (No Data) | 0 | (No Data) | (No Data) | 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 | (No Data) | 104 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | 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) | Yes | 24 | 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) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months | Award Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 104 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000222 | XXXX | XXXX | XXXX | XXXX | OR | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5844 | Yes | Yes | 1.739 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.5 | 39.79 | 39.5 | 39.79 | 39.79 | 39.79 | Yes | Yes | Yes | 8177.67 | (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 | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 72 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000223 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8953 | Yes | Yes | 1.276 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.72 | 32.01 | 32.72 | 32.01 | 32.01 | 32.01 | No | No | (No Data) | 32727.58 | (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 | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000228 | XXXX | XXXX | XXXX | XXXX | SC | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0206 | Yes | Yes | 1.999 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.2 | 35.2 | 35.2 | 35.2 | 35.2 | 35.2 | No | No | (No Data) | 7019.86 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (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 | 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> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000229 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.7500 | No | No | 2.875 | (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) | -2784.8 | (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) | Yes | 2900.00 | No | (No Data) | 1.0414 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000233 | XXXX | XXXX | XXXX | XXXX | AZ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 25.03 | 0 | 25.03 | 25.03 | 25.03 | (No Data) | (No Data) | (No Data) | 8767.92 | (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 | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 96 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000234 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.3501 | Yes | Yes | 4.982 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.79 | 42.79 | 42.79 | 42.79 | 42.79 | 42.79 | No | No | (No Data) | 7992.97 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000236 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.4379 | Yes | Yes | 0.318 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 12.35 | 0 | 12.35 | 12.35 | 12.35 | No | No | (No Data) | 68786.91 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000237 | XXXX | XXXX | XXXX | XXXX | SC | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.6054 | Yes | Yes | 4.267 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.39 | 33.38 | 33.39 | 33.38 | 33.38 | 33.38 | Yes | Yes | Yes | 8969.64 | (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) | Yes | 5 | 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 | (No Data) | 28 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Paystub - 5 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000238 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 6.0000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1651.37 | (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) | No | (No Data) | Yes | 2240.00 | 1.3560 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000241 | XXXX | XXXX | XXXX | XXXX | VA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 6.5000 | No | No | 2.6 | (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) | -4842.77 | (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) | Yes | 3650.00 | No | (No Data) | 1.0100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000242 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 2.7 | (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) | -3457.29 | (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 | 3550.00 | No | (No Data) | 1.0268 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000244 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.41 | 0 | 49.41 | 49.41 | 49.41 | (No Data) | (No Data) | (No Data) | 3976.64 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000246 | XXXX | XXXX | XXXX | XXXX | IL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5281 | Yes | Yes | 2.105 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.56 | 38.56 | 38.56 | 38.56 | 38.56 | 38.56 | No | No | (No Data) | 10663.49 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000248 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2964.57 | (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) | Yes | 3000.00 | No | (No Data) | 1.0119 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000249 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.3751 | No | No | 2.15 | (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) | -5091.44 | (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) | No | (No Data) | Yes | 6500.00 | 1.2767 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000251 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.8796 | No | No | 2.35 | (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) | -4228.66 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 5300.00 | 1.2534 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000252 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 3.25 | (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) | -5154.48 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (No Data) | Yes | (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 | 1000.00 | No | (No Data) | 1.5210 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000256 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8253 | Yes | Yes | 0.709 | 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 | 37.95 | 36.94 | 37.95 | 36.94 | 36.94 | 39.63 | Yes | Yes | Yes | 20950.6 | (No Data) | 0 | (No Data) | (No Data) | 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) | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 without Income - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | CPA Letter without Income - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000257 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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) | Yes | No | 1 | 6.4430 | Yes | Yes | 4.986 | 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 | 36.29 | 36.29 | 36.29 | 36.29 | 36.29 | 36.29 | Yes | Yes | Yes | 7979.6 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000259 | XXXX | XXXX | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5566 | No | No | 0.408 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -8380.53 | (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) | 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 | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000260 | XXXX | XXXX | XXXX | XXXX | TN | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8074 | No | No | 2.596 | 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 | 49.38 | 49.95 | 48.66 | 49.95 | 49.95 | 49.95 | Yes | Yes | Yes | 5429.91 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000261 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -903.28 | (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) | No | (No Data) | Yes | 1300.00 | 1.4391 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000263 | XXXX | XXXX | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6961 | Yes | Yes | 2.801 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.49 | 30.47 | 30.49 | 30.47 | 30.47 | 30.47 | Yes | Yes | Yes | 16304.91 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000266 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.9850 | No | No | 2.293 | Unavailable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.99 | 45.4 | 48.99 | 45.4 | 45.4 | 45.4 | No | No | (No Data) | 4460.21 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | 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;<br> Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000268 | XXXX | XXXX | XXXX | XXXX | LA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (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 if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 4.938 | (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) | -1512.73 | (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) | No | (No Data) | Yes | 2590.00 | 1.7121 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000274 | XXXX | XXXX | XXXX | XXXX | PA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1593.85 | (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 | 1800.00 | No | (No Data) | 1.1293 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000277 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.5353 | Yes | Yes | 3.382 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.01 | 19.23 | 20.01 | 19.23 | 19.23 | 19.23 | No | No | (No Data) | 28611.33 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000281 | XXXX | XXXX | XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7673 | Yes | Yes | 2.436 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.69 | 31.69 | 31.69 | 31.69 | 31.69 | 31.69 | Yes | Yes | Yes | 18076.48 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (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 | 36 | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000283 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | 1 | 6.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3802.35 | (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) | Yes | 3960.00 | 1.0415 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000289 | XXXX | XXXX | XXXX | XXXX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 6.2500 | No | No | 2.5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2050.98 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.2189 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000290 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Yes | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | Yes | 1 | 6.2721 | No | No | 2.528 | 2.528 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.9 | 49.99 | 49.9 | 49.99 | 49.99 | 49.99 | Yes | Yes | Yes | 7298.29 | (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) | Yes | 4 | 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 Data) | (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 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 2 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 4 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000294 | XXXX | XXXX | XXXX | XXXX | LA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 4.25 | (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) | -1363.68 | (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 | 1550.00 | No | (No Data) | 1.1360 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000297 | XXXX | XXXX | XXXX | XXXX | OH | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0001 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1577.56 | (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) | Yes | 2550.00 | No | (No Data) | 1.6164 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000302 | XXXX | XXXX | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1418 | Yes | Yes | 2.783 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.65 | 20.65 | 20.65 | 20.65 | 20.65 | 20.65 | No | No | (No Data) | 9293.01 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000306 | XXXX | XXXX | XXXX | XXXX | AZ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 6.6250 | No | No | 2.65 | (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) | -1630.85 | (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) | Yes | 2090.00 | No | (No Data) | 1.2815 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000308 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.9561 | Yes | Yes | 3.023 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.12 | 41.08 | 41.12 | 41.08 | 41.08 | 41.08 | Yes | Yes | Yes | 3940.24 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 15 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000311 | XXXX | XXXX | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.2872 | Yes | Yes | 4.353 | 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 | 32.54 | 32.54 | 32.54 | 32.54 | 32.54 | 32.54 | No | No | (No Data) | 27461.07 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000314 | XXXX | XXXX | XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.8908 | Yes | Yes | 2.238 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.37 | 19.38 | 19.37 | 19.38 | 19.38 | 19.38 | Yes | Yes | Yes | 48183.75 | (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 | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000315 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 6.2784 | Yes | Yes | 0.223 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | No | No | (No Data) | 13386.08 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000316 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.3791 | No | No | 3.016 | 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 | 43.31 | 43.32 | 43.31 | 43.32 | 43.32 | 43.32 | Yes | Yes | Yes | 3322.47 | (No Data) | 0 | (No Data) | (No Data) | 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) | 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 Data) | (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) | Yes | 2 | Yes | 2 | 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) | Yes | 24 | No | (No Data) | Yes | 24 | 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) - 24 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000319 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.5352 | Yes | Yes | 4.242 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.46 | 42.46 | 42.46 | 42.46 | 42.46 | 42.46 | No | No | (No Data) | 1718.4 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 24 | 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) - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000322 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 6.3750 | No | No | 2.55 | (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) | -1998.44 | (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) | Yes | 2000.00 | No | (No Data) | 1.0001 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000323 | XXXX | XXXX | XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6929 | Yes | Yes | 1.864 | 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 | 12.67 | 12.67 | 12.67 | 11.4 | 11.4 | 11.92 | Yes | Yes | Yes | 88732.59 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000325 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 6.5000 | No | No | 2.6 | (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) | -2739.12 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (No Data) | Yes | (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) | Yes | 3200.00 | 1.1683 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000326 | XXXX | XXXX | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1226 | No | No | 1.407 | 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 | 49.63 | 49.66 | 49.63 | 49.66 | 49.66 | 49.66 | Yes | Yes | Yes | 17457.85 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 7 | 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 Data) | (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) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> Paystub - 7 months;<br> W2 - 24 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000332 | XXXX | XXXX | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 5.3845 | Yes | Yes | 1.167 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 8.56 | 8.56 | 8.56 | 8.56 | 8.56 | 8.56 | No | No | (No Data) | 110557.42 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000335 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8924 | Yes | No | 1.31 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.36 | 42.83 | 44.36 | 42.83 | 42.83 | 42.83 | Yes | Yes | Yes | 13517.83 | (No Data) | 0 | (No Data) | (No Data) | 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 | (No Data) | 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 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> W2 - 24 months;<br> Written VOE - 12 months | Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000336 | XXXX | XXXX | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9052 | Yes | Yes | 2.528 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.18 | 38.1 | 36.18 | 38.1 | 38.1 | 38.1 | No | No | (No Data) | 2584.79 | (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 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000339 | XXXX | XXXX | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6057 | Yes | Yes | 2.532 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.32 | 31.8 | 32.32 | 31.8 | 31.8 | 31.8 | Yes | Yes | Yes | 10968.55 | (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 | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 29 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 29 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000340 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 11.69 | 0 | 11.69 | 11.69 | 12.24 | (No Data) | (No Data) | (No Data) | 47113.43 | (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 | 132 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 132 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000341 | XXXX | XXXX | XXXX | XXXX | AL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 34.18 | 0 | 34.18 | 34.17 | 34.17 | (No Data) | (No Data) | (No Data) | 9011.59 | (No Data) | 0 | (No Data) | (No Data) | 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) | 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 Data) | (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 | 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> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000344 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | Permanent Resident Alien | Permanent Resident Alien | (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 | No | 1 | 4.7452 | Yes | Yes | 3.972 | 1.532 | (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 | 36.69 | 33.12 | 36.69 | 33.12 | 33.12 | 33.12 | No | No | (No Data) | 11047.23 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| Removed from deal | XXXX | XXXX | XXXX | XXXX | OH | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -21272.19 | (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) | Yes | 5900.00 | No | (No Data) | 3.7300 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000348 | XXXX | XXXX | XXXX | XXXX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0001 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.33 | 0 | 39.33 | 39.33 | 39.33 | (No Data) | (No Data) | (No Data) | 5712.39 | (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 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000350 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.8387 | No | No | 0.623 | 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 | 44.55 | 44.55 | 44.55 | 44.55 | 44.55 | 44.55 | Yes | Yes | Yes | 9725.46 | (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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000352 | XXXX | XXXX | XXXX | XXXX | CT | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1742 | Yes | Yes | 1.625 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 7.68 | 7.68 | 7.68 | 7.68 | 7.68 | 7.68 | No | No | (No Data) | 109099.59 | (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 | 39 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 39 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| Removed from deal | XXXX | XXXX | XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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) | Yes | No | 1 | 9.3757 | Yes | Yes | 3.248 | 3.248 | (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 | 18.75 | 18.21 | 18.75 | 18.21 | 18.21 | 18.21 | No | No | (No Data) | 40928.84 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000358 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8829 | Yes | Yes | 2.138 | 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 | 9.42 | 9.42 | 9.42 | 7.32 | 7.32 | 7.32 | No | No | (No Data) | 199015.46 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000359 | XXXX | XXXX | XXXX | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.3046 | Yes | Yes | 1.783 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.05 | 30.91 | 31.05 | 30.91 | 30.91 | 30.91 | No | No | (No Data) | 3176.95 | (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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000360 | XXXX | XXXX | XXXX | XXXX | MD | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached 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 | Yes | 1 | 8.0001 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9332.39 | (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 | 1325.00 | No | (No Data) | 1.4740 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000361 | XXXX | XXXX | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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) | Yes | No | 1 | 6.0375 | Yes | Yes | 3.112 | 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 | 25.84 | 25.8 | 25.84 | 25.8 | 25.8 | 25.8 | Yes | Yes | Yes | 27297.36 | (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 | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 - 84 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000367 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0415 | Yes | No | 0.765 | 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 | 33.04 | 40.38 | 0 | 33.04 | 33.04 | 36.45 | No | No | (No Data) | 27948.91 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (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) | 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 | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000369 | XXXX | XXXX | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.9698 | Yes | Yes | 4.27 | 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 | 23.32 | 23.33 | 23.32 | 23.33 | 23.33 | 23.33 | No | No | (No Data) | 12270.37 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000373 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | 5.5001 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 11.55 | 0 | 11.55 | 11.55 | 11.55 | (No Data) | (No Data) | (No Data) | 134964.05 | (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 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000375 | XXXX | XXXX | XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9891 | Yes | Yes | 0.31 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 8.23 | 8.23 | 8.23 | 8.23 | 8.23 | 8.23 | No | No | (No Data) | 64460.1 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000378 | XXXX | XXXX | XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | Yes | 1 | 6.9962 | No | Yes | 3.785 | 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 | 42.74 | 43.08 | 42.74 | 43.08 | 43.08 | 43.08 | Yes | Yes | Yes | 9529.15 | (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 | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000380 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3176.85 | (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) | Yes | 1850.00 | No | (No Data) | 1.3300 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000381 | XXXX | XXXX | XXXX | XXXX | CT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 3.938 | (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) | -1998.31 | (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) | Yes | 2000.00 | 1.0000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000383 | XXXX | XXXX | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6758 | No | No | 2.377 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.6 | 47.41 | 47.6 | 47.41 | 47.41 | 47.41 | Yes | Yes | Yes | 6386.24 | (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 | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 72 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000386 | XXXX | XXXX | XXXX | XXXX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 3.563 | (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) | -5980.45 | (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) | Yes | 6100.00 | No | (No Data) | 1.0110 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| Removed from deal | XXXX | XXXX | XXXX | XXXX | OH | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1297.3 | (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) | Yes | 1300.00 | No | (No Data) | 1.0021 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000389 | XXXX | XXXX | XXXX | XXXX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 3.125 | (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) | -1365.96 | (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) | No | (No Data) | Yes | 1700.00 | 1.2445 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000390 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | No | No | Yes | 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 5.3750 | No | No | 2.15 | (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) | -1491.58 | (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) | Yes | 2650.00 | 1.7700 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000396 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1661.19 | (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) | Yes | 1720.00 | No | (No Data) | 1.0354 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| Removed from deal | XXXX | XXXX | XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.4709 | No | No | 1.974 | 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 | 47.32 | 47.12 | 47.32 | 47.12 | 47.11 | 47.11 | Yes | Yes | Yes | 16664.76 | (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 | 168 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 168 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000398 | XXXX | XXXX | XXXX | XXXX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 6.0000 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1739.02 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (No Data) | Yes | (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) | Yes | 2000.00 | 1.1501 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000400 | XXXX | XXXX | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.6148 | Yes | Yes | 4.476 | 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 | 42.29 | 42.28 | 42.29 | 40.07 | 40.07 | 40.07 | Yes | Yes | Yes | 21468.69 | (No Data) | 0 | (No Data) | (No Data) | 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) | 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) | Yes | (No Data) | 360 | Yes | (No Data) | 182 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Written VOE - 360 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 182 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000401 | XXXX | XXXX | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 6.6425 | Yes | Yes | 1.196 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.15 | 17.69 | 20.15 | 17.69 | 17.69 | 17.69 | No | Yes | Yes | 28614.94 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000402 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9228 | Yes | Yes | 2.707 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.85 | 42.07 | 42.85 | 42.07 | 42.07 | 42.07 | No | No | (No Data) | 12146.09 | (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 | 184 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 184 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000408 | XXXX | XXXX | XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.5766 | Yes | Yes | 3.223 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.95 | 35.95 | 35.95 | 35.95 | 35.95 | 35.95 | No | No | (No Data) | 3712.69 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 144 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000409 | XXXX | XXXX | XXXX | XXXX | MD | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.6251 | No | No | 2.813 | (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) | -1565.16 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 284.84 | No | (No Data) | 1.1820 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000412 | XXXX | XXXX | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.9763 | No | No | 1.059 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.4 | 43.4 | 43.4 | 43.4 | 43.4 | 43.4 | Yes | Yes | Yes | 25644.9 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000418 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Yes | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 6.8241 | Yes | Yes | 1.569 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.11 | 42.09 | 41.11 | 42.09 | 42.09 | 42.09 | No | No | (No Data) | 5591.6 | (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) | Yes | 12 | 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 | 141 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 141 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000419 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8687 | No | No | 2.29 | 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 | 44.6 | 44.6 | 44.6 | 44.6 | 44.6 | 44.6 | No | No | (No Data) | 5362.76 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000420 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 32.6 | 0 | 32.6 | 32.6 | 32.6 | (No Data) | (No Data) | (No Data) | 7301.22 | (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) | 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 | (No Data) | 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 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000423 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 6.0000 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3599.08 | (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) | Yes | 4700.00 | 1.0004 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000426 | XXXX | XXXX | XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7023 | No | Yes | 0.403 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | Yes | -2628.88 | (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) | 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 | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000432 | XXXX | XXXX | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7437 | Yes | Yes | 2.239 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.15 | 28.15 | 28.15 | 28.15 | 28.15 | 28.15 | Yes | Yes | Yes | 18953.27 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000437 | XXXX | XXXX | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1011 | Yes | Yes | 2.147 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.07 | 25.08 | 25.08 | 25.08 | 25.08 | 25.08 | No | No | (No Data) | 11879.92 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000440 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -831.11 | (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 | 1200.00 | No | (No Data) | 1.4439 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000441 | XXXX | XXXX | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.5743 | Yes | Yes | 1.607 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.95 | 17.13 | 16.95 | 17.13 | 17.13 | 17.13 | No | No | (No Data) | 27104.03 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | 1099 - 12 months;<br> CPA Letter without Income - 120 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000447 | XXXX | XXXX | XXXX | XXXX | KY | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0989 | Yes | Yes | 0.548 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.87 | 10.87 | 10.87 | 10.87 | 10.87 | 10.87 | No | No | (No Data) | 27153.63 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000448 | XXXX | XXXX | XXXX | XXXX | AZ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 3.25 | (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) | -1672.77 | (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) | Yes | 2200.00 | 1.3151 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000453 | XXXX | XXXX | XXXX | XXXX | AL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 8.0654 | Yes | Yes | 1.5 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | No | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.26 | 34.77 | 35.26 | 34.77 | 34.77 | 34.77 | No | No | (No Data) | 66807.94 | (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 | 192 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 192 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000457 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1415 | Yes | Yes | 2.466 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.25 | 32.19 | 32.25 | 32.19 | 32.19 | 32.19 | No | No | (No Data) | 6329.61 | (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 | 92 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 92 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000459 | XXXX | XXXX | XXXX | XXXX | VA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.7512 | Yes | Yes | 2.647 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 8.32 | 8.52 | 8.32 | 8.52 | 8.52 | 8.52 | Yes | Yes | Yes | 28339.52 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000464 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 3.438 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2582.43 | (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) | Yes | 4000.00 | No | (No Data) | 1.5489 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000465 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.2500 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.8 | 0 | 41.8 | 41.8 | 41.8 | (No Data) | (No Data) | (No Data) | 34322.34 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000467 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | Permanent Resident Alien | (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 | 7.7143 | Yes | Yes | 4.601 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.11 | 32.11 | 32.11 | 32.11 | 32.11 | 32.11 | No | No | (No Data) | 20831.27 | (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 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000468 | XXXX | XXXX | XXXX | XXXX | IA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.9736 | No | No | 3.254 | 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 | 43.16 | 43.05 | 43.16 | 43.05 | 43.05 | 43.05 | Yes | Yes | Yes | 5666.02 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000474 | XXXX | XXXX | XXXX | XXXX | OR | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.2865 | Yes | Yes | 1.331 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.93 | 27.92 | 27.93 | 27.92 | 27.92 | 27.92 | No | No | (No Data) | 20222.41 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000478 | XXXX | XXXX | XXXX | XXXX | CT | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6892 | Yes | Yes | 2.798 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.98 | 26.97 | 26.98 | 26.97 | 26.97 | 26.97 | Yes | Yes | Yes | 22253.57 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000479 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 6.5240 | Yes | Yes | 1.16 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.94 | 36.7 | 35.94 | 36.7 | 36.7 | 36.7 | Yes | Yes | Yes | 11389.61 | (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 | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 84 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000485 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3928 | Yes | Yes | 1.421 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.39 | 34.86 | 34.39 | 34.86 | 34.86 | 34.86 | No | No | (No Data) | 28637.09 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000489 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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) | Yes | No | 1 | 7.1107 | Yes | Yes | 3.616 | 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 | 18.67 | 18.67 | 18.67 | 18.67 | 18.67 | 18.67 | Yes | Yes | Yes | 15947.39 | (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 | 132 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 132 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000495 | XXXX | XXXX | XXXX | XXXX | MD | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0823 | No | No | 1.623 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.21 | 43.21 | 43.31 | 43.21 | 43.21 | 43.21 | Yes | Yes | Yes | 7094.07 | (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 | 228 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 228 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000498 | XXXX | XXXX | XXXX | XXXX | AL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 3.563 | (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) | -1382.91 | (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) | Yes | 1470.00 | No | (No Data) | 1.0630 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000499 | XXXX | XXXX | XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.9657 | No | No | 2.271 | Not Applicable | No | 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) | 46.8 | 46.8 | 46.8 | 46.8 | 46.8 | 46.8 | No | No | (No Data) | 7637.95 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000501 | XXXX | XXXX | XXXX | XXXX | AK | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.3451 | No | No | 3.939 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.7 | 43.7 | 43.7 | 43.7 | 43.7 | 43.7 | Yes | Yes | Yes | 3342.52 | (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 | 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 | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 24 months;<br> CPA Letter without Income - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000502 | XXXX | XXXX | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.5108 | Yes | Yes | 0 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.31 | 38.67 | 38.31 | 38.67 | 38.67 | 38.67 | Yes | Yes | Yes | 1686.61 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000503 | XXXX | XXXX | XXXX | XXXX | AZ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2239.03 | (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) | Yes | 2735.00 | No | (No Data) | 1.2215 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000504 | XXXX | XXXX | XXXX | XXXX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | 5.9618 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 30.59 | 0 | 30.59 | 30.59 | 30.59 | (No Data) | (No Data) | (No Data) | 9832.87 | (No Data) | 0 | (No Data) | (No Data) | 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) | 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 | (No Data) | 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 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 36 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000507 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 6.0903 | Yes | Yes | 0.598 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.06 | 34.05 | 34.06 | 34.05 | 34.05 | 34.05 | No | No | (No Data) | 20312.31 | (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 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000510 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4717 | Yes | Yes | 1.065 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.56 | 20.56 | 20.56 | 20.56 | 20.56 | 20.56 | No | No | (No Data) | 17785.25 | (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) | 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 | (No Data) | 3 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000513 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.5001 | 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) | -1538.14 | (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) | Yes | 2000.00 | 1.3003 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000515 | XXXX | XXXX | XXXX | XXXX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 7.0000 | No | No | 2.8 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2709.83 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (No Data) | Yes | (No Data) | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | 2850.00 | No | (No Data) | 1.0517 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000518 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.8750 | No | No | 2.938 | (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) | -1269.18 | (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) | Yes | 2400.00 | No | (No Data) | 1.8910 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000519 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Yes | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1893 | Yes | Yes | 1.64 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.21 | 33.21 | 33.21 | 33.21 | 33.21 | 33.21 | Yes | Yes | Yes | 8454.44 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000520 | XXXX | XXXX | XXXX | XXXX | NV | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.4112 | Yes | No | 2.459 | 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 | 44.9 | 44.9 | 44.9 | 38.97 | 38.97 | 38.97 | No | No | (No Data) | 13873.68 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000522 | XXXX | XXXX | XXXX | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.1665 | Yes | Yes | 4.797 | 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 | 38.38 | 38.38 | 38.38 | 38.38 | 38.38 | 38.38 | No | No | (No Data) | 4566.38 | (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 | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 12 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000527 | XXXX | XXXX | XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Yes | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9975 | Yes | Yes | 0.842 | 0.970 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | No | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.74 | 34.58 | 34.74 | 34.58 | 34.58 | 34.58 | No | No | (No Data) | 2767.5 | (No Data) | 0 | (No Data) | (No Data) | 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 | (No Data) | 7 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 7 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000533 | XXXX | XXXX | XXXX | XXXX | NV | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1839.09 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.0050 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000535 | XXXX | XXXX | XXXX | XXXX | WI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 3.375 | (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) | -2741.98 | (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 | 3200.00 | No | (No Data) | 1.1670 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000541 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 2.9 | (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) | -3457 | (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) | Yes | 4562.00 | No | (No Data) | 1.3200 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000544 | XXXX | XXXX | XXXX | XXXX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.3751 | No | No | 2.15 | (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) | -3283.02 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (No Data) | Yes | (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 | 3300.00 | No | (No Data) | 1.0050 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000548 | XXXX | XXXX | XXXX | XXXX | IN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 8.0001 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -575.3 | (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) | No | (No Data) | Yes | 1200.00 | 2.0856 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000554 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | Yes | 1 | 5.7796 | No | No | 0.137 | 0.367 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 54.86 | 54.42 | 54.86 | 54.42 | 54.42 | 54.42 | No | No | (No Data) | 4472.84 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000555 | XXXX | XXXX | XXXX | XXXX | UT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (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 | 7.0000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2495.01 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | 2495.00 | No | (No Data) | 1.0000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000556 | XXXX | XXXX | XXXX | XXXX | OR | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (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 | 5.3644 | Yes | Yes | 0 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.52 | 38.52 | 38.51 | 38.52 | 38.52 | 38.52 | No | No | (No Data) | 13594.73 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000558 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 5.8630 | Yes | Yes | 0 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.54 | 37.94 | 37.54 | 37.94 | 37.94 | 37.94 | Yes | Yes | Yes | 22506.3 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000559 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1241 | No | No | 2.565 | 2.313 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.07 | 49.07 | 49.07 | 49.07 | 49.07 | 49.07 | Yes | Yes | Yes | 5152.38 | (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) | 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) | Yes | (No Data) | 45 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months;<br> W2 - 24 months;<br> Written VOE - 45 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000560 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0516 | Yes | Yes | 2.836 | 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 | No | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 12.92 | 12.8 | 12.92 | 12.8 | 12.8 | 12.8 | No | No | (No Data) | 43283.63 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 105 | No | (No Data) | Yes | 105 | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 105 months | Business Bank Statements - 24 months;<br> CPA Letter without Income - 105 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000563 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7404 | Yes | Yes | 2.198 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.1 | 38.11 | 38.1 | 38.11 | 38.11 | 38.11 | Yes | Yes | Yes | 5102.72 | (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 | 204 | No | (No Data) | No | (No Data) | 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 | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 15 months;<br> CPA Letter without Income - 204 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000564 | XXXX | XXXX | XXXX | XXXX | SC | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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) | Yes | No | 1 | 6.2782 | Yes | Yes | 4.329 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.69 | 41.69 | 41.69 | 41.69 | 41.69 | 41.69 | Yes | Yes | Yes | 9168.27 | (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 | 168 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 168 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000567 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached 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 | Yes | 1 | 9.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1503.64 | (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) | Yes | 1900.00 | No | (No Data) | 1.2636 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000568 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | 5.8750 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 38.7 | 0 | 38.7 | 38.7 | 38.7 | (No Data) | (No Data) | (No Data) | 10289.23 | (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) | Yes | 3 | 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 Data) | (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 | 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 - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000574 | XXXX | XXXX | XXXX | XXXX | VA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0001 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40 | 0 | 40 | 40 | 40.51 | (No Data) | (No Data) | (No Data) | 16160.42 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000576 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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) | Yes | No | 1 | 5.9390 | Yes | Yes | 4.726 | 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 | 36.59 | 36.63 | 36.59 | 36.63 | 36.63 | 36.63 | Yes | Yes | Yes | 8446.07 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000578 | XXXX | XXXX | XXXX | XXXX | CO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 3.125 | (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) | -2817.06 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2850.00 | No | (No Data) | 1.0116 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000581 | XXXX | XXXX | XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2301 | Yes | Yes | 2.371 | 2.371 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.57 | 29.57 | 29.57 | 29.57 | 29.57 | 29.57 | No | No | (No Data) | 16903.92 | (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) | 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 Data) | (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 | 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> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000585 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 3.375 | (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) | -3056.21 | (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) | Yes | 3125.00 | No | (No Data) | 1.0225 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000587 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.5200 | Yes | Yes | 3.075 | 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 | 15.51 | 15.48 | 15.51 | 15.48 | 15.48 | 15.48 | Yes | Yes | Yes | 23922.57 | (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 | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000601 | XXXX | XXXX | XXXX | XXXX | MI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1112.24 | (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) | Yes | 1450.00 | No | (No Data) | 1.1199 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000605 | XXXX | XXXX | XXXX | XXXX | NV | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.3259 | No | No | 3.311 | (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) | -2499.83 | (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) | Yes | 2500.00 | No | (No Data) | 1.0001 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000607 | XXXX | XXXX | XXXX | XXXX | OR | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 3.313 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3149.79 | (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) | Yes | 3150.00 | No | (No Data) | 1.0000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000609 | XXXX | XXXX | XXXX | XXXX | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | 1 | 6.3750 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 28.77 | 0 | 28.77 | 28.77 | 28.77 | (No Data) | (No Data) | (No Data) | 37414.31 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 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 Data) | (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) | Yes | 24 | No | (No Data) | Yes | 0 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 0 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000611 | XXXX | XXXX | XXXX | XXXX | MD | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.3173 | Yes | Yes | 2.495 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 1.77 | 1.78 | 1.77 | 1.78 | 1.78 | 1.78 | No | No | (No Data) | 300608.46 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000615 | XXXX | XXXX | XXXX | XXXX | VA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 3.25 | (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) | -1718.17 | (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) | Yes | 2150.00 | No | (No Data) | 1.2513 | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000618 | XXXX | XXXX | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.9067 | Yes | Yes | 0.132 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 7.12 | 7.3 | 7.12 | 7.3 | 7.3 | 7.3 | Yes | Yes | Yes | 163410.17 | (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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000620 | XXXX | XXXX | XXXX | XXXX | CT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2707.11 | (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) | Yes | 4050.00 | No | (No Data) | 1.4961 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000621 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3208 | No | Yes | 1.746 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | Yes | -6812.42 | (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) | 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 | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000623 | XXXX | XXXX | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7739 | No | No | 0.165 | 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 | 46.24 | 45.74 | 46.24 | 45.74 | 45.74 | 45.74 | Yes | Yes | Yes | 8967.2 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000629 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2613 | Yes | Yes | 2.077 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.87 | 31.87 | 31.87 | 31.87 | 31.87 | 31.87 | No | No | (No Data) | 10934.48 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 108 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 108 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000634 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.5001 | 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) | -3256.42 | (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) | Yes | 3900.00 | No | (No Data) | 1.1976 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000637 | XXXX | XXXX | XXXX | XXXX | IN | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4319 | No | No | 0.852 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.3 | 44.3 | 44.3 | 44.3 | 44.3 | 44.3 | No | No | (No Data) | 13588.55 | (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) | Yes | 12 | 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 | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 60 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000638 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 3.438 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2079.73 | (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) | Yes | 2100.00 | No | (No Data) | 1.0097 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000643 | XXXX | XXXX | XXXX | XXXX | HI | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 7.6424 | Yes | Yes | 2.403 | 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 | 31.4 | 32.37 | 31.4 | 32.37 | 32.37 | 32.37 | Yes | Yes | Yes | 56579.74 | (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 | 53 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 53 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| Removed from deal | XXXX | XXXX | XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0194 | No | No | 1.888 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | Yes | -7476.72 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000646 | XXXX | XXXX | XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8930 | No | No | 1.085 | 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 | 44.4 | 45 | 44.4 | 45 | 45 | 45 | No | No | (No Data) | 6536.73 | (No Data) | 0 | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 27 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Paystub - 4 months;<br> Written VOE - 27 months | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000647 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.2500 | No | No | 2.625 | (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) | -2586.51 | (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) | Yes | 2975.00 | 1.1501 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000648 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.2951 | Yes | Yes | 3.425 | 1.556 | (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 | 23.6 | 22.97 | 23.6 | 22.97 | 22.97 | 22.97 | No | No | (No Data) | 15156.5 | (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) | Yes | (No Data) | 60 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months;<br> Written VOE - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000651 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 3.313 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2563.79 | (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) | Yes | 2995.00 | No | (No Data) | 1.1682 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000653 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (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 | 5.6849 | Yes | Yes | 2.122 | 1.124 | (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 | 37.42 | 37.42 | 37.42 | 28.66 | 28.66 | 28.66 | No | No | (No Data) | 10730.94 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | 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) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000660 | XXXX | XXXX | XXXX | XXXX | PA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.1363 | Yes | Yes | 3.361 | 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 | 35.03 | 35.03 | 35.03 | 35.03 | 35.03 | 35.03 | No | No | (No Data) | 4020.62 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000662 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9263 | No | No | 2.777 | 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 | No | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.76 | 49.15 | 49.76 | 49.15 | 49.15 | 49.15 | No | No | (No Data) | 6065.5 | (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) | Yes | 12 | 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 | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 120 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| Removed from deal | XXXX | XXXX | XXXX | XXXX | OH | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -23314.03 | (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) | Yes | 5900.00 | No | (No Data) | 3.7300 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000670 | XXXX | XXXX | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (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 | Yes | 1 | 8.2090 | Yes | No | 1.661 | 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 | 42.4 | 42.4 | 0 | 42.4 | 42.4 | 42.4 | No | No | (No Data) | 8205.81 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (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) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000674 | XXXX | XXXX | XXXX | XXXX | MN | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.8794 | No | No | 4.145 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -2453.86 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 4 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 4 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000675 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 6.5000 | No | No | 2.6 | (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) | -5584.64 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (No Data) | Yes | (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) | Yes | 7207.33 | 1.2906 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000676 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 3.563 | (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) | -1732.8 | (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) | Yes | 1750.00 | No | (No Data) | 1.0100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000680 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0062 | Yes | Yes | 1.091 | 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 | 41.09 | 40.63 | 41.09 | 35.63 | 35.63 | 40.63 | Yes | Yes | Yes | 42574.39 | (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 | 336 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 336 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000681 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (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) | Yes | Yes | 1 | 6.8275 | No | No | 3.288 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.76 | 48.76 | 48.76 | 48.76 | 48.76 | 48.76 | Yes | Yes | Yes | 9216.56 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000682 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 2.95 | (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) | -5546.44 | (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) | Yes | 9100.00 | No | (No Data) | 2.2491 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000685 | XXXX | XXXX | XXXX | XXXX | IN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 8.6250 | No | No | 3.45 | (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) | -960.65 | (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) | Yes | 1470.00 | No | (No Data) | 1.5302 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000689 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1397 | Yes | Yes | 1.255 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 13.97 | 13.92 | 13.92 | 13.92 | 13.92 | 13.92 | No | No | (No Data) | 209783.14 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (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) | Yes | 12 | 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 | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000690 | XXXX | XXXX | XXXX | XXXX | VT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1697.91 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (No Data) | Yes | (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 | 1700.00 | No | (No Data) | 1.0012 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000691 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 5.9646 | Yes | Yes | 1.963 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.79 | 42.79 | 42.79 | 42.79 | 42.79 | 42.79 | Yes | Yes | Yes | 5265.06 | (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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 26 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 26 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000695 | XXXX | XXXX | XXXX | XXXX | OK | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | 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 | 7.8751 | No | No | 3.15 | (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) | -1273.93 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.0989 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000696 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3750 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 26.27 | 0 | 26.27 | 26.27 | 26.27 | (No Data) | (No Data) | (No Data) | 31765.54 | (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 | 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) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000698 | XXXX | XXXX | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.3064 | Yes | Yes | 0.409 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.57 | 36.64 | 36.57 | 36.64 | 36.64 | 36.64 | Yes | Yes | Yes | 13279.53 | (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 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000700 | XXXX | XXXX | XXXX | XXXX | IL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8140 | Yes | Yes | 1.373 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 9.66 | 9.57 | 9.66 | 9.57 | 9.57 | 9.57 | Yes | Yes | Yes | 61628.02 | (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 | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 120 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000701 | XXXX | XXXX | XXXX | XXXX | MI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2500 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 27.94 | 0 | 27.94 | 27.94 | 27.94 | (No Data) | (No Data) | (No Data) | 17083.9 | (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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 17 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L - 17 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000704 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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) | No | Yes | 1 | 5.3751 | No | No | 2.15 | (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) | -18352.68 | (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) | Yes | 25000.00 | 1.3621 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000707 | XXXX | XXXX | XXXX | XXXX | OR | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 5.5346 | No | No | 5.967 | (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) | -4781.56 | (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) | Yes | 7000.00 | No | (No Data) | 1.0835 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000709 | XXXX | XXXX | XXXX | XXXX | GA | ATR/QM: Exempt | No | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (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 | 6.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | (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) | -1046.5 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 1450.00 | 1.3856 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000712 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6014 | Yes | Yes | 2.276 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.05 | 33.05 | 33.05 | 33.05 | 33.05 | 33.05 | No | No | (No Data) | 11986.16 | (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) | 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 Data) | (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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000713 | XXXX | XXXX | XXXX | XXXX | PA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1562.12 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1830.00 | No | (No Data) | 1.1715 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000715 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | Permanent Resident Alien | (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 | 5.9167 | Yes | Yes | 2.792 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.4 | 24.26 | 24.4 | 24.26 | 24.26 | 24.26 | No | No | (No Data) | 69583.9 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 240 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 240 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000718 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7368 | Yes | Yes | 2.066 | 0.000 | Yes | No | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.4 | 10.61 | 9.89 | 10.61 | 10.61 | 10.61 | No | No | (No Data) | 44695.43 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000720 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.0862 | Yes | No | 0.822 | 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 | 49.13 | 43.24 | 49.13 | 29.19 | 29.19 | 29.19 | Yes | Yes | Yes | 15864.29 | (No Data) | 0 | (No Data) | (No Data) | 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 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) | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 25 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000721 | XXXX | XXXX | XXXX | XXXX | NY | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1264.42 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (No Data) | Yes | (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 | 1500.00 | No | (No Data) | 1.1863 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000724 | XXXX | XXXX | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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) | No | No | 1 | 6.9937 | Yes | Yes | 2.347 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.74 | 26.29 | 25.74 | 26.29 | 26.29 | 26.29 | No | No | (No Data) | 14299.34 | (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 | 26 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 26 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000725 | XXXX | XXXX | XXXX | XXXX | UT | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5306 | Yes | Yes | 1.618 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 9.49 | 9.46 | 9.49 | 9.46 | 9.46 | 9.46 | Yes | Yes | Yes | 118886.1 | (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 | 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 without Income - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000726 | XXXX | XXXX | XXXX | XXXX | IN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 8.6250 | No | No | 3.45 | (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) | -984.4 | (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) | No | (No Data) | Yes | 1250.00 | 1.2700 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000733 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | 6.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 51.34 | 0 | 51.34 | 51.34 | 51.34 | (No Data) | (No Data) | (No Data) | 7704.19 | (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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 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 Data) | (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) | 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;<br> Written VOE - 31 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000738 | XXXX | XXXX | XXXX | XXXX | OR | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.6251 | No | No | 2.813 | (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) | -1830.16 | (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) | Yes | 2.84 | No | (No Data) | 1.0000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000740 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4437 | No | Yes | 1.581 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | Yes | -5928.8 | (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) | 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 | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000741 | XXXX | XXXX | XXXX | XXXX | MD | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 3.938 | (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) | -938.98 | (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) | No | (No Data) | Yes | 1750.00 | 1.8637 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000743 | XXXX | XXXX | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.8464 | Yes | Yes | 3.452 | 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 | 23.51 | 22.48 | 23.5 | 22.48 | 22.48 | 22.48 | No | No | (No Data) | 25760.18 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000744 | XXXX | XXXX | XXXX | XXXX | UT | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.4021 | Yes | Yes | 2.687 | 0.000 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.33 | 16.32 | 16.33 | 16.32 | 16.32 | 16.32 | Yes | Yes | Yes | 38858.1 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (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) | Yes | 25 | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 25 months | Business Bank Statements - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000745 | XXXX | XXXX | XXXX | XXXX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 3.875 | (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) | -11401.61 | (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 | 1300.00 | No | (No Data) | 1.0680 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000746 | XXXX | XXXX | XXXX | XXXX | OH | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1563.87 | (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 | 1650.00 | No | (No Data) | 1.0551 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000747 | XXXX | XXXX | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9171 | No | No | 1.335 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.86 | 46.42 | 48.86 | 46.42 | 46.42 | 46.42 | No | Yes | Yes | 4887.24 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000752 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 6.0277 | Yes | Yes | 0.953 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.6 | 34.16 | 36.6 | 34.16 | 34.16 | 34.16 | Yes | Yes | Yes | 31291.08 | (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 | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 25 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000753 | XXXX | XXXX | XXXX | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3668 | Yes | Yes | 1.878 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.61 | 33.61 | 33.61 | 33.61 | 33.61 | 33.61 | No | No | (No Data) | 11468.78 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | 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) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000756 | XXXX | XXXX | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (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) | Yes | No | 1 | 6.6932 | Yes | Yes | 3.098 | 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 | 12.49 | 12.49 | 12.49 | 12.49 | 12.49 | 12.49 | Yes | Yes | Yes | 34076.22 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000758 | XXXX | XXXX | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 8.9973 | Yes | Yes | 3.184 | 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 | 39.81 | 39.81 | 39.81 | 39.81 | 39.81 | 39.81 | Yes | Yes | Yes | 7177.85 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000760 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.5001 | 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) | -3040.8 | (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) | Yes | 3500.00 | No | (No Data) | 1.1510 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000762 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 3.938 | (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) | -1248.14 | (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) | Yes | 1250.00 | No | (No Data) | 1.0015 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000763 | XXXX | XXXX | XXXX | XXXX | LA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (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 | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 4.25 | (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) | -1209.95 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.2397 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000767 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6512 | Yes | Yes | 2.42 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.8 | 40.77 | 41.8 | 40.77 | 40.77 | 40.77 | No | No | (No Data) | 4521.4 | (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 | 108 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 108 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000769 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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) | Yes | Yes | 1 | 5.3716 | Yes | No | 3.793 | 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 | 44.8 | 44.82 | 44.8 | 31.83 | 31.83 | 31.83 | Yes | Yes | Yes | 11512.49 | (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 | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 72 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000770 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 7.9989 | Yes | Yes | 4.833 | 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 | 41.82 | 42.41 | 41.82 | 42.41 | 42.41 | 42.41 | Yes | Yes | Yes | 8265.02 | (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) | 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 | (No Data) | 35 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 48 | 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) - 48 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000772 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.5226 | No | No | 2.005 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.05 | 45.44 | 47.05 | 45.44 | 45.44 | 45.44 | Yes | Yes | Yes | 16395.18 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000785 | XXXX | XXXX | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | Yes | 1 | 8.9121 | No | No | 3.51 | 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 | 48.79 | 48.79 | 48.79 | 48.79 | 48.79 | 48.79 | Yes | Yes | Yes | 2548.66 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000787 | XXXX | XXXX | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.2131 | Yes | Yes | 3.015 | 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 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | Yes | Yes | Yes | 4774.44 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000788 | XXXX | XXXX | XXXX | XXXX | NJ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1587.25 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.1025 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000792 | XXXX | XXXX | XXXX | XXXX | MD | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 3.313 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2258.42 | (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) | Yes | 2800.00 | No | (No Data) | 1.2300 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000793 | XXXX | XXXX | XXXX | XXXX | MD | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6373 | Yes | Yes | 2.532 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31 | 31 | 31 | 31 | 31 | 31 | Yes | Yes | Yes | 23138.9 | (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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000796 | XXXX | XXXX | XXXX | XXXX | KY | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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) | Yes | Yes | 1 | 5.5859 | No | No | 4.85 | 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 | 49.81 | 49.82 | 49.82 | 49.82 | 49.82 | 49.82 | Yes | Yes | Yes | 6011.72 | (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) | 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 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 144 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000799 | XXXX | XXXX | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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) | Yes | Yes | 1 | 6.3558 | Yes | No | 4.856 | 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 | 46.74 | 23.38 | 46.74 | 23.38 | 23.38 | 23.38 | Yes | Yes | Yes | 7714.36 | (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 | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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) | No | (No Data) | 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 - 48 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000805 | XXXX | XXXX | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.3148 | Yes | Yes | 2.902 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.06 | 24.12 | 24.06 | 24.12 | 24.12 | 24.12 | Yes | Yes | Yes | 14589.09 | (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 | 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 | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 25 months;<br> CPA Letter without Income - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000808 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (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 | 6.1302 | Yes | Yes | 0 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.82 | 28.2 | 29.82 | 28.2 | 28.2 | 28.2 | Yes | Yes | Yes | 21211.58 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000811 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 5.8110 | No | No | 4.919 | (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) | -20036.87 | (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) | Yes | 26000.00 | No | (No Data) | 1.2900 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000812 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 5.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 46.93 | 0 | 46.93 | 46.93 | 46.93 | (No Data) | (No Data) | (No Data) | 8058.02 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000814 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8364 | No | No | 0.71 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.49 | 48.28 | 47.49 | 48.28 | 48.28 | 48.28 | Yes | Yes | Yes | 7262.96 | (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 | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000818 | XXXX | XXXX | XXXX | XXXX | LA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.2979 | Yes | Yes | 0.18 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.18 | 36.18 | 36.18 | 36.18 | 36.18 | 36.18 | No | No | (No Data) | 5660.28 | (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 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000824 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.03 | 0 | 40.03 | 40.03 | 40.03 | (No Data) | (No Data) | (No Data) | 948.22 | (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 | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 12 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000826 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.2110 | No | No | 3.264 | 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 | 47.33 | 47.33 | 0 | 47.33 | 47.33 | 47.33 | Yes | Yes | Yes | 3329.16 | (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) | 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 | (No Data) | 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 Data) | (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 | 36 | 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) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000828 | XXXX | XXXX | XXXX | XXXX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1146.37 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 1146.37 | No | (No Data) | 1.3739 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000832 | XXXX | XXXX | XXXX | XXXX | NM | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.8902 | No | No | 3.946 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.83 | 48.83 | 48.83 | 48.83 | 48.83 | 48.83 | Yes | Yes | Yes | 6296.17 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000834 | XXXX | XXXX | XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4607 | No | No | 1.983 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.86 | 49.94 | 49.86 | 49.94 | 49.94 | 49.94 | Yes | Yes | Yes | 13009.27 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (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 | Yes | 24 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000835 | XXXX | XXXX | XXXX | XXXX | UT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 4.5000 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 33.22 | 0 | 33.22 | 33.22 | 33.22 | (No Data) | (No Data) | (No Data) | 11081.49 | (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) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 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 Data) | (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 | 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> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000837 | XXXX | XXXX | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4322 | No | No | 2.943 | 1.352 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.25 | 49.25 | 49.25 | 49.25 | 49.25 | 49.25 | Yes | Yes | Yes | 3484.83 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000838 | XXXX | XXXX | XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | Yes | 1 | 6.6613 | No | No | 4.151 | 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 | 44.7 | 46.57 | 44.7 | 46.57 | 46.57 | 46.57 | Yes | Yes | Yes | 5385.04 | (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) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000840 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 47.85 | 0 | 47.85 | 47.85 | 47.85 | (No Data) | (No Data) | (No Data) | 10711.82 | (No Data) | 0 | (No Data) | (No Data) | 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 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000843 | XXXX | XXXX | XXXX | XXXX | NJ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.2500 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.97 | 0 | 39.97 | 39.97 | 39.97 | (No Data) | (No Data) | (No Data) | 6412.23 | (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) | 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) | Yes | 12 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Lease Agreement - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000847 | XXXX | XXXX | XXXX | XXXX | OR | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 3.188 | (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) | -1967.27 | (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) | Yes | 2775.00 | No | (No Data) | 1.4101 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000849 | XXXX | XXXX | XXXX | XXXX | MT | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.2091 | No | No | 0.271 | 2.116 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 54.19 | 54.21 | 54.19 | 54.21 | 54.21 | 54.21 | Yes | Yes | Yes | 4435.44 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 24 | 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) | Yes | (No Data) | 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 Data) | (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 | 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;<br> Written VOE - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000855 | XXXX | XXXX | XXXX | XXXX | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0001 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 37.87 | 0 | 37.87 | 37.87 | 37.87 | (No Data) | (No Data) | (No Data) | 3993.53 | (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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000860 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 5.6673 | No | No | 3.229 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.86 | 47.86 | 47.86 | 47.86 | 47.86 | 47.86 | No | No | (No Data) | 4562.08 | (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) | 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 | (No Data) | 235 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 48 | 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) - 48 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> W2 - 24 months;<br> Written VOE - 235 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| Removed from deal | XXXX | XXXX | XXXX | XXXX | OH | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1236.72 | (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) | Yes | 1240.00 | No | (No Data) | 1.0027 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000863 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5431 | Yes | Yes | 2.385 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.94 | 39.94 | 39 | 39.94 | 39.94 | 39.94 | Yes | Yes | Yes | 7782.33 | (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) | Yes | (No Data) | 3 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> P & L - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000865 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1770.13 | (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) | Yes | 1850.00 | No | (No Data) | 1.0451 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000868 | XXXX | XXXX | XXXX | XXXX | TN | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.0353 | No | No | 4.493 | 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 | 53.64 | 52.43 | 53.64 | 52.43 | 52.43 | 52.43 | Yes | Yes | Yes | 12577.02 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (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) | 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) | 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) | Personal Bank Statements - 12 months | 1099 - 24 months;<br> Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000870 | XXXX | XXXX | XXXX | XXXX | IL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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) | Yes | Yes | 1 | 6.2017 | No | No | 3.09 | 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 | 49.59 | 49.59 | 49.59 | 49.59 | 49.59 | 49.59 | Yes | Yes | Yes | 2810.2 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000872 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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) | No | Yes | 1 | 8.0001 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3009.92 | (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) | Yes | 3200.00 | No | (No Data) | 1.0632 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000874 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (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 | 8.3742 | No | No | 3.547 | 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 | 49.23 | 49.38 | 49.23 | 49.38 | 49.38 | 49.38 | Yes | Yes | Yes | 4997.86 | (No Data) | 0 | (No Data) | (No Data) | 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) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | 1 | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | CPA Letter without Income - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000878 | XXXX | XXXX | XXXX | XXXX | MI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1598.78 | (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) | Yes | 2250.00 | 1.4073 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000879 | XXXX | XXXX | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1113 | No | No | 0.992 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.93 | 44.93 | 44.93 | 44.93 | 44.93 | 44.93 | Yes | No | (No Data) | 10425.39 | (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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 3 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> P & L - 3 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000880 | XXXX | XXXX | XXXX | XXXX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1718.76 | (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) | Yes | 1725.00 | No | (No Data) | 1.0036 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000884 | XXXX | XXXX | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.7925 | No | No | 4.888 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.36 | 43.36 | 43.36 | 43.36 | 43.36 | 43.36 | Yes | Yes | Yes | 2802.85 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000886 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 6.0417 | Yes | Yes | 0.238 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.68 | 20.19 | 21.68 | 20.19 | 20.19 | 20.19 | Yes | Yes | Yes | 23764.72 | (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 | 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) | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 25 months;<br> CPA Letter without Income - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000887 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 6.3794 | Yes | Yes | 2.711 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.91 | 23.91 | 23.91 | 23.91 | 23.91 | 23.91 | No | No | (No Data) | 83817.59 | (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 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000893 | XXXX | XXXX | XXXX | XXXX | MD | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.8750 | No | No | 2.938 | (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) | -1893.6 | (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) | Yes | 2195.00 | 1.1591 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000894 | XXXX | XXXX | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 8.3517 | Yes | Yes | 4.402 | 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 | 36.53 | 36.53 | 36.53 | 36.53 | 36.53 | 36.53 | No | No | (No Data) | 8073.19 | (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 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000895 | XXXX | XXXX | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3609 | Yes | Yes | 3.239 | 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 | 24.15 | 24.44 | 24.15 | 24.44 | 24.44 | 24.44 | No | No | (No Data) | 16290.36 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months;<br> Personal Bank Statements - 2 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months;<br> Personal Bank Statements - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000900 | XXXX | XXXX | XXXX | XXXX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | 5.5001 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2697.67 | (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) | Yes | 2700.00 | No | (No Data) | 1.0009 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000901 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3557 | No | No | 1.284 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -8132.75 | (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) | 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 | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000902 | XXXX | XXXX | XXXX | XXXX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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) | No | Yes | 1 | 7.5257 | Yes | No | 2.615 | (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 | 40.43 | 0 | 40.43 | 40.43 | 40.43 | (No Data) | (No Data) | (No Data) | 11142.94 | (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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 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 Data) | (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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 36 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> P & L - 6 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| Removed from deal | XXXX | XXXX | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 8.4839 | Yes | Yes | 4.718 | 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 | 6.11 | 6.11 | 6.11 | 6.11 | 6.11 | 6.11 | No | No | (No Data) | 93896.61 | (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 | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000910 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1921 | Yes | No | 1.001 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.07 | 21.07 | 0 | 21.07 | 21.07 | 21.07 | No | No | (No Data) | 33458.14 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (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) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000912 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (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 | 5.8590 | Yes | Yes | 1.266 | 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 | 42 | 41.99 | 42 | 37.16 | 37.16 | 39.42 | No | No | (No Data) | 36217.11 | (No Data) | 0 | (No Data) | (No Data) | 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) | 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) | Yes | 12 | 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 | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> CPA Letter without Income - 1 months | Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000913 | XXXX | XXXX | XXXX | XXXX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 5.0000 | No | No | 2 | (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) | -1750.82 | (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 | 1950.00 | No | (No Data) | 1.1138 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000924 | XXXX | XXXX | XXXX | XXXX | UT | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3966 | No | No | 0.106 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.61 | 45.61 | 45.61 | 45.61 | 45.61 | 45.61 | Yes | Yes | Yes | 10187.84 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | Yes | 12 | Yes | 12 | 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;<br> Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000929 | XXXX | XXXX | XXXX | XXXX | OR | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4675 | Yes | Yes | 1.972 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 11.49 | 11.49 | 11.49 | 11.49 | 11.49 | 11.49 | No | No | (No Data) | 37316.88 | (No Data) | 0 | (No Data) | (No Data) | 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) | 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 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) | Business Tax Return - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000931 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | 7.4723 | Yes | Yes | 3.266 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.99 | 40.58 | 41.9 | 40.58 | 40.58 | 40.58 | No | No | (No Data) | 5808.13 | (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) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000938 | XXXX | XXXX | XXXX | XXXX | HI | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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 | Yes | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 5.7227 | Yes | Yes | 3.145 | 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 | 18.79 | 18.12 | 18.79 | 18.12 | 18.12 | 18.12 | No | No | (No Data) | 15760.82 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | Yes | 1 | 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) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 36 | No | (No Data) | Yes | 36 | 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) - 36 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000940 | XXXX | XXXX | XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | 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) | Yes | No | 1 | 5.8958 | Yes | Yes | 4.111 | 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 | 26.36 | 26.38 | 26.35 | 26.38 | 26.38 | 26.38 | Yes | Yes | Yes | 32215.97 | (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 | 197 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 197 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000943 | XXXX | XXXX | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.0461 | Yes | Yes | 1.321 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.44 | 38.49 | 38.44 | 38.49 | 38.49 | 38.49 | Yes | Yes | Yes | 9008.45 | (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 | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 48 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000944 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 43.28 | 0 | 43.28 | 43.28 | 43.28 | (No Data) | (No Data) | (No Data) | 34696.23 | (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 | 156 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 156 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000947 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.9933 | Yes | Yes | 0.811 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 5.23 | 5.73 | 5.23 | 5.73 | 5.73 | 5.73 | No | No | (No Data) | 253008.14 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000963 | XXXX | XXXX | XXXX | XXXX | MO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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) | No | Yes | 1 | 6.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1078.29 | (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) | Yes | 1500.00 | No | (No Data) | 1.3911 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000965 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.0653 | No | No | 0.094 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.98 | 48.63 | 49.98 | 48.63 | 48.63 | 48.63 | Yes | Yes | Yes | 14844.05 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000968 | XXXX | XXXX | XXXX | XXXX | SD | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0329 | Yes | Yes | 1.576 | 1.450 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.43 | 30.53 | 30.43 | 30.53 | 30.53 | 30.53 | No | No | (No Data) | 37700.24 | (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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 900000970 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.0437 | Yes | No | 0.757 | 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 | 49.06 | 49.08 | 49.06 | 35.74 | 35.74 | 42.39 | Yes | Yes | Yes | 19864.54 | (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 | 1 | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |

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## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

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| | |
|:---|:---|
| **Client Name:** | **Rithm Capital Corp** |
| **Client Project Name:** | **NRMLT 2026-NQM1** |
| **Start - End Dates:** | **5/XX/2022 - 9/XX/2022** |
| **Deal Loan Count:** | **314** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *314* |
| ***Loans with Conditions:*** | *173* |

---

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| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **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** |
| 900000123 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing the Master Condo Insurance Policy declaration page. | 6/XX/22: Lender provided the Master Condo Policy. | 6.29.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 34.14% is below guideline requirements of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 764 exceeds guidelines | XXXX |
| 900000124 | XXXX | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 786 exceeds min score requirement of 720.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 15 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed for 24 years. | XXXX |
| 900000128 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets are $335,724.76 or 114.53 or PITIRequired reserves are 6 months PITI at $2,931.41x6= $17,588.462 mo additional for each property financedXXXX $1584.67x2= $3169.34XXXX $1896x2= $3792XXXX $3145x2= $6290XXXX $1079x2= $2158total required $32,997.80<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is > 10 points above guideline maximum of 680 | XXXX |
| 900000131 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC in file reflects an LE was provided to borrower on 5/XX/2022 however, that LE is missing from file. | 6/XX/2022: Client provided LE 5/XX/2022. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 10.48%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 804 qualifying score. Min required per guidelines is 660<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 10 years and 11 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $785,373.34 or 235.94 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000131 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Right of Rescission | Satisfied C A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | The disbursement date on final CD XX/XX/XXXX is disclosed as 5/XX/2022 which is before the end of the rescission period. Provide final settlement statement to confirm the correct disbursement date. | 6/XX/2022: Client provided the borrower's final settlement statement confirming the disbursement date is 6/XX/2022 and after the rescission period. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 10.48%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 804 qualifying score. Min required per guidelines is 660<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 10 years and 11 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $785,373.34 or 235.94 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000133 | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying FICO of 792 is 132 points above the 660 FICO required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has 5 years 10 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI (Back) of 39.66% is 10.34% below the 50% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves of 14 months PITIA is 9 months greater than the 5 months reserves required. | XXXX |
| 900000135 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD is missing from file. | 9/XX/2022: Client provided the seller CD. | 9/XX/2022: Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current occupied residence for 22 years and 1 month.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed with 5 years and 4 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 782 qualifying score. Min required per guidelines is 660.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Rental payment history is for 261 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $94,265.63 or 12.63 months PITIA, guidelines required 3 months PITIA | XXXX |
| 900000135 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Legal Documents | Active B | CRDLGL100 | Legal document incorrect or incomplete | No | Lender exception for assignment of purchase contract from borrower and one additional individual to borrower only. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current occupied residence for 22 years and 1 month.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed with 5 years and 4 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 782 qualifying score. Min required per guidelines is 660.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Rental payment history is for 261 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $94,265.63 or 12.63 months PITIA, guidelines required 3 months PITIA | XXXX |
| 900000136 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Documentation of Changes Circumstances dated 3/XX/22 & 4/XX/22 found in file, but missing Revised LE 3/XX/22 & LE 4/XX/22 to reflect the changes. Condition is pending receiving revised LE 3/XX/22 & LE 4/XX/22 . | 8/XX/2022: Client provided LEs 4/12 and 3/23. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage payment history is for 48 months when 12 months are required<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 48.296%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 755 qualifying score. Min required per guidelines is 680.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 30.37%, max per guidelines is 50%. | XXXX |
| 900000136 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 | CD XX/XX --Transfer taxes increased from $1650 to $1753.30 with no valid COC.CD XX/XX--Appraisal increased from $400 to $425 with no valid COC. Provide valid COCs or provide corrected CD, refund to the borrower for $128.30, with a letter of explanation with proof of delivery within 60 days of consummation including tracking.2 COC's in file dated XX/XX & XX/XX with no corresponding LE's. Provide the missing LE's. | 8/XX/2022: Client provided COC for transfer tax increase. The Appraisal fee increase does not have a valid reason. Due to borrower is now $25 with Letter of explanation, corrected Closing Disclosure, and proof of delivery. Exception remains. 8/XX/2022: Client provided detailed COC for appraisal increase. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage payment history is for 48 months when 12 months are required<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 48.296%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 755 qualifying score. Min required per guidelines is 680.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 30.37%, max per guidelines is 50%. | XXXX |
| 900000140 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt B | B | B A | B | B | Compliance | TILA | Active B | CMPTILA4787 | TILA - Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. | No | Borrower LOE for use of funds or business purpose cert/affidavit is missing from file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower Self-employed for 36 years<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Max DTI 50% borrower has 36.62%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 660 minimum required borrower has 773 | XXXX |
| 900000142 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed with XXXX for 8 years and 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 60%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 785 qualifying score. Min required per guidelines is 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $461,453.75 or 46.98 months PITIA, guidelines required 6 months PITIA. | XXXX |
| 900000146 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: 30 years and 1 month in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 749 qualifying score. Min required per guidelines is 660. | XXXX |
| 900000146 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: 30 years and 1 month in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 749 qualifying score. Min required per guidelines is 660. | XXXX |
| 900000146 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Missing Seller CD. | 9/XX/2022: Client provided seller CD. | 9/XX/2022: Exception satisfied however, exception XX and XX triggered as a result. | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: 30 years and 1 month in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 749 qualifying score. Min required per guidelines is 660. | XXXX |
| 900000147 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | File is missing cash out refinance CD dated XX/XX/XXXX for loan#XXXX. | 8.10.22: Lender provided CD from refinance of REO on XXXX with net proceeds from cash out $XXXX. Sufficient reserves of $80,408.57 verified for required reserves of $49,961.02. | 8.10.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 20 yrs 1 month | XXXX |
| 900000154 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 increase of $68.25 between CD XX/XX/XXXX and CD XX/XX/XXXX. The Transfer Taxes increased without valid reason stated. | 6/XX/2022: Client provided COC for Transfer Tax increase. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 11.4 yrs vs 2 yrs<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 754 vs 740<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: 45 yrs vs 2 yrs | XXXX |
| 900000157 | XXXX | XXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has been self employed at current job for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 22.28% is below guideline requirements<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 4.73% is below guideline requirement | XXXX |
| 900000160 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 21 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's credit score 784 exceeds the required score of 680<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Borrower's LTV 75% is below the required LTV of 80% | XXXX |
| 900000163 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 20 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's credit score 730 exceeds the required score of 680<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Credit usage is minimal at 9%. | XXXX |
| 900000166 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | DTI | Active B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | DSCR of 1.0044% is less than 1.25 required per guide lines for first time investors. | 7/XX/22-Client provided exception for DSCR less than 1.25. | Initial and final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: High fico 776 exceed guide lines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves exceed guide lines. | XXXX |
| 900000172 | XXXX | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower mid score of 795 exceeds min requirement of 720.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been with current employer for 25 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $220,524 exceed guidelines of $17,457. | XXXX |
| 900000174 | XXXX | XXXX | MA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Lender exception for mortgage history 1 x 30 in last 12 months. Guidelines require 0 x 30 in last 12 months. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 708 qualifying score. Min required per guidelines is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified assets/reserves: $289,825.19 or 137.00 months PITIA. 6 months reserves required for subject and 2 months reserves for REOs. | XXXX |
| 900000174 | XXXX | XXXX | MA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Provide Title report | 9.9.22: Lender provided the final title report. | 9.9.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 708 qualifying score. Min required per guidelines is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified assets/reserves: $289,825.19 or 137.00 months PITIA. 6 months reserves required for subject and 2 months reserves for REOs. | XXXX |
| 900000178 | XXXX | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $14,416.27 or 5.97 months PITIA, guidelines required 3 months PITIA<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 43.77%, max per guidelines is 50%. | XXXX |
| 900000179 | XXXX | XXXX | RI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has owned present residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 29.39% is 50.61% below maximum LTV of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified assets $598,287.48. Cash to close $481,598.38. Post-closing cash reserves $105,849.81/44.38 months reserves. 8 months reserves required, including additional financed property.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: 40 months mortgage history with no late pays. | XXXX |
| 900000182 | XXXX | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: 10 YRS VS 2 YRS<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 15.4 YRS VS 2 YRS<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 752 vs 720 | XXXX |
| 900000184 | XXXX | XXXX | UT | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing verification of proceeds for refinance of XXXX, to confirm assets totaling $346,000. | 6.15.22: Lender provided the final CD for refinance of REO at XXXX with net cash to borrower of $XXXX | 6.15.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has owned present residence for 5 years.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 20 years and 6 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 796 exceeds minimum credit score of 720, 76 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified assets $436,671.21. Cash to close $150,397.97. Post-closing cash reserves $286,273.24/121.98 months reserves. 3 months reserves required for subject, and 2 months each for 11 properties, totalling 25 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 33.21% is below maximum DTI of 45%. | XXXX |
| 900000184 | XXXX | XXXX | UT | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of principle, interest, and taxes for property located at XXXX. | 6.15.22: Lender provided verification of PITI $2293.96 for REO at XXXX | 6.15.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has owned present residence for 5 years.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 20 years and 6 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 796 exceeds minimum credit score of 720, 76 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified assets $436,671.21. Cash to close $150,397.97. Post-closing cash reserves $286,273.24/121.98 months reserves. 3 months reserves required for subject, and 2 months each for 11 properties, totalling 25 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 33.21% is below maximum DTI of 45%. | XXXX |
| 900000184 | XXXX | XXXX | UT | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing the complete Homeowners insurance policy for subject property. File contains HOI transfer letter only. | 6.15.22: Lender provided the HOI policy for the subject property. | 6.15.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has owned present residence for 5 years.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 20 years and 6 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 796 exceeds minimum credit score of 720, 76 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified assets $436,671.21. Cash to close $150,397.97. Post-closing cash reserves $286,273.24/121.98 months reserves. 3 months reserves required for subject, and 2 months each for 11 properties, totalling 25 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 33.21% is below maximum DTI of 45%. | XXXX |
| 900000185 | XXXX | XXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have resided in current owner occupied residence for 8 years and 7 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 750 qualifying score. Min required per guidelines is 640.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 47.73%; max allowed per guidelines is 80%.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage payment history is for 99 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $944,144.34 or 212.65 months PITI, guidelines required 10 months PITI. | XXXX |
| 900000188 | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Please provide the LE associated with the COC dated 7/XX/22. | 8/XX/2022: Client provided LE 7/XX/2022. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 37.33%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $21,079 exceed guidelines of $11,628.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 13 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed with XXXX for 30 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 62.24%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 728 qualifying score. Min required per guidelines is 680.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage payment history is for 44 months when 12 months are required. | XXXX |
| 900000188 | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | CD XX/XX/XXXX signed on closing date of XX/XX is only CD in file. Please provide prior CDs. | 8/XX/2022: Client provided initial CD XX/XX/XXXX | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 37.33%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $21,079 exceed guidelines of $11,628.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 13 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed with XXXX for 30 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 62.24%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 728 qualifying score. Min required per guidelines is 680.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage payment history is for 44 months when 12 months are required. | XXXX |
| 900000188 | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XX/XX/XXXX signed on closing date of XX/XX is only CD in file. Please provide prior CD's. | 8/XX/2022: Client provided initial CD XX/XX/XXXX | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 37.33%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $21,079 exceed guidelines of $11,628.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 13 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed with XXXX for 30 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 62.24%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 728 qualifying score. Min required per guidelines is 680.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage payment history is for 44 months when 12 months are required. | XXXX |
| 900000188 | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | The initial CD is not in the file. | 8/XX/2022: Client provided initial CD XX/XX/XXXX | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 37.33%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $21,079 exceed guidelines of $11,628.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 13 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed with XXXX for 30 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 62.24%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 728 qualifying score. Min required per guidelines is 680.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage payment history is for 44 months when 12 months are required. | XXXX |
| 900000189 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 718 qualifying score. Min required per guidelines is 680<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 44.44%; max allowed per guidelines is 90%.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 30.24%, max per guidelines is 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $50,199.40 or 21.75 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000191 | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC in file reflects LE was provided to borrower on 7/11 but that LE is missing from file. | 8/XX/2022: Client provided LE 7/11. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves $11,792.32 or 5.81. 3 months required<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: 35.49% DTI | XXXX |
| 900000192 | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying FICO of 731 is 71 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI (Back) of 12.48% is 37.52% below the 50% allowed for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 60% is 25% below the 85% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves of 69 months PITIA is 66 months greater than the 3 months reserves required for the program. | XXXX |
| 900000192 | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 $75 due to increase in Appraisal fee. COC dated 6/XX/22 in file doesn't indicate a detailed reason why fee was increased. Condition is pending receiving a valid Change of Circumstances or PCCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 7/XX/2022: Client provided a detailed COC for increase. | 7/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying FICO of 731 is 71 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI (Back) of 12.48% is 37.52% below the 50% allowed for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 60% is 25% below the 85% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves of 69 months PITIA is 66 months greater than the 3 months reserves required for the program. | XXXX |
| 900000193 | XXXX | XXXX | NJ | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing CPA letter reflecting business. | 7.18.22: Lender provided the Operating Agreement and Certificate of Organization for B1 business, confirmed percentage of ownership. | 7.18.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $82,782 exceed guidelines $56,736.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 684 qualifying score. Min required per guidelines is 680. | XXXX |
| Removed from deal | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: High fico 776 exceeds guide lines.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 46.83 is below lender's guide line maximum.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has stable employment with 9 years at current job. | XXXX |
| Removed from deal | XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Loan approved with a DTI of 14.19%. Max DTI is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Total assets verified $218725.15. CTC $97693.17 leaving reserves of $121,031.98 or 16.60 mos. Guideline requires 3 mos for subject and 2 additional for other REO. | XXXX |
| 900000203 | XXXX | XXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $72,034 exceed guidelines of $14,011.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage payment history is for 23 months when 12 months are required | XXXX |
| 900000204 | XXXX | XXXX | OR | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | The Notary page is missing from the mortgage. | 8.29.22: Lender provided the California All-Purpose Acknowledgment with complete Notary signature and seal. | 8.29.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 58.82% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 793 exceeds guidelines | XXXX |
| 900000204 | XXXX | XXXX | OR | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | Credit | Legal Documents | Active B | CRDLGL100 | Legal document incorrect or incomplete | No | Lender exception to allow delayed financing for $XXXX to be paid off that were not borrower's own funds for purchase of subject property. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 58.82% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 793 exceeds guidelines | XXXX |
| 900000205 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Two COCs found in file dated 5/4 and 5/9 but corresponding LEs are missing in file. Condition is pending receiving all disclosures for further testing. Additional conditions may apply. | 6/XX/2022: Client provided LEs 5/5 and 5/9. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 766 exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 16.92% is below guideline requirement | XXXX |
| 900000205 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file | 6/XX/2022: Client provided initial CD XX/XX/XXXX | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 766 exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 16.92% is below guideline requirement | XXXX |
| 900000205 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final CD XX/XX/XXXX is the only CD in file. Condition is pending receiving initial, and if applicable all revised, CD(s) received by borrower min 3 business days prior to consummation. | 6/XX/2022: Client provided initial CD XX/XX/XXXX | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 766 exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 16.92% is below guideline requirement | XXXX |
| 900000205 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | 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 $145 due to increased Appraisal fee on LE 4/28 from $750 to $895 with no COC in file. 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. | 6/XX/2022: Client provided COC dated 4/XX/222 but it does not state reason appraisal fee increased. Exception remains.6/XX/2022: Client provided same COC dated 4/27. The COC only states Appraisal fee increased to $895 but does not provide details that caused the fee to increase. Exception remains.6/XX/2022: Client provided COC stating appraisal increase due to market conditions. Per guidance from Sr. Compliance, "Market Conditions" is not a valid COC. Exception remains.6/XX/2022: Client provided LOE stating the increase was due to borrower requested rush and an email chain between lender and appraiser. After review from Sr. Compliance, if this was a request from borrower we need evidence that borrower asked for this. The concern is that this exact scenario was addressed by the CFPB in their recent supervisory highlights."2. Examiners found that certain lenders failed to retain sufficient documentation to establish the changed circumstances validity. Specifically, the lenders disclosed an appraisal fee on initial Loan Estimates and subsequently disclosed appraisal rush fees, in a higher amount, on revised Loan Estimates. The lenders claimed the rush appraisals, which led to the appraisal rush fees, were requested by consumers. However, in each instance, the lender failed to maintain sufficient documentation evidencing the consumers request of the rush appraisals; in fact, the documentation maintained reflected that either the appraisal management company notified the lenders that a rush appraisal would be needed or the lenders loan officers requested the rush appraisal. In certain instances, the lenders documentation included only a checked box indicating the consumer requested the rush appraisal, but there was no other evidence retained reflecting this occurred. In response to these findings, the lenders agreed to remediate affected consumers, revise their policies and procedures to ensure relevant documentation is obtained and maintained, and strengthen relevant quality control audit functions."Exception remains.7/XX/2022: Client provided same COC dated 4/27. Per Sr. Compliance, documentation that borrower requested the rush is required or cure is Letter of explanation, corrected Closing Disclosure, refund, proof of delivery. Exception remains.7/XX/2022: Client provided PCCD 7/XX/2022, LOE to borrower, disclosure tracking, copy of the refund check for $145 and shipping label. | 7/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 766 exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 16.92% is below guideline requirement | XXXX |
| 900000205 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Lender exception for FTHB with two rent payments missing 8/2021 & 9/2021. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 766 exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 16.92% is below guideline requirement | XXXX |
| 900000209 | XXXX | XXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score is 761.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Borrower mortgage history is 0x30 for 69 months reviewed. | XXXX |
| 900000213 | XXXX | XXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 57.62% is below guideline requirements 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: 13 YRS VS 2 YRS | XXXX |
| 900000217 | XXXX | XXXX | NJ | (No Data) | ATR/QM: Exempt B | B | B A | B | B | Compliance | TILA | Active B | CMPTILA4787 | TILA - Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. | No | Borrower LOE for use of funds or Business Purpose Affidavit is not in file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Borrower has a LTV of 29%. Max LTV is 60%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed for 15 years. | XXXX |
| 900000218 | XXXX | XXXX | NJ | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Lender exception for subject loan transaction as a delayed financing which is not allowed under XXXX guidelines. Consider as non-material. | 8.4.22: Lender provided the exception request form previously in file. Though XXXX made an exception to override their guidelines that does not make the exception for violating guidelines go away. XXXX will acknowledge exception approval and will determine if said violation is an material or non-material exception based on the overall review of the loan file. This exception has been deemed non-material and this is XXXX final grade B. | 8.4.22: Exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $78,409 exceed guidelines of $28,617.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Minimum credit score 680 current representative credit score 757 | XXXX |
| 900000220 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self- employed with XXXX for 10 years and 1 month.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXXX Comments: Borrower has been employed with XXXX for 8 years and 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 80%; max allowed per guidelines is 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $116,968.12 or 30.84 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000220 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 | Provide proof tolerance cure refund/credit of $1650. Discount points increased from $6138 to $7788 without a valid COC. No document to support that cost was permissible. | 8/XX/2022: Client provided a COC detail form dated 7/14. After review from Sr. Compliance, reason for increase in the loan amount points is unclear. Please provide more detail regarding the change. Exception remains. 8.8.22 Client provided rate lock. Please provide reason for discount points in unclear. Please provide more detail regarding the change. Exception remains. 8/XX/2022: Client provided a detailed COC for increase. After review from Sr. Compliance, COC is valid. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self- employed with XXXX for 10 years and 1 month.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXXX Comments: Borrower has been employed with XXXXA for 8 years and 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 80%; max allowed per guidelines is 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $116,968.12 or 30.84 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000222 | XXXX | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 39.79%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $42,019.95 or 8.60 months PITIA, guidelines required 3 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 4 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 80.26% is below the maximum LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 757 exceeds the minimum score. | XXXX |
| 900000223 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Missing seller CD. | 8/XX/2022: Client provided Seller CD. | 8/XX/2022: Exception satisfied. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 32.73% is below max DTI of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed for 24 years. | XXXX |
| 900000223 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing $200000 gift fund documentation. Proof of transfer to borrower, copy of check, etc. | 8.16.22: Lender provided the wire transfer of gift funds directly to escrow company. | 8.16.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 32.73% is below max DTI of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed for 24 years. | XXXX |
| 900000228 | XXXX | XXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 800 exceeds min credit score requirement of 680.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 35.2% is below max DTI requirements. | XXXX |
| 900000229 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 15 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's credit score 765 exceeds the required score of 640<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV max per guidelines 75%, LTV c.urrently 37.75% | XXXX |
| 900000233 | XXXX | XXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 25% is below maximum LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 794 is above minimum score requirement.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Borrower DTI of 25.03% is below maximum DTI. | XXXX |
| 900000234 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified reserves $7,493.16 with required reserves $9,625.73. Short verified reserves $2,132.57. EMD $5,000 was not verified as cleared borrowers account. Escrow funds of $10,000 received 8/XX/22. Latest bank statement XXXX dated 7/XX/22, prior to escrow funds received. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have owned primary residence for 30 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has been self employed at current job for 34 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 799 exceeds guidelines | XXXX |
| 900000236 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Documentation of Changed Circumstances dated 7/XX/22 found in file, but missing Revised LE 7/XX/22 to reflect the changes. Condition is pending receiving revised LE 7/XX/22 | 8/XX/2022: Client provided LE 7/XX/2022. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has been self employed at current job for 9 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 12.35% is below guideline requirement | XXXX |
| 900000236 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has been self employed at current job for 9 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 12.35% is below guideline requirement | XXXX |
| 900000236 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has been self employed at current job for 9 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 12.35% is below guideline requirement | XXXX |
| 900000236 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Certification Document | 8.16.22: Lender provided the Flood Certification document. | 8.16.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has been self employed at current job for 9 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 12.35% is below guideline requirement | XXXX |
| 900000237 | XXXX | XXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 80%; max allowed per guidelines is 90%<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: The borrower has been employed with XXXX for 10 years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 771 qualifying score. Min required per guidelines is 720.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 33.38%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $19,385.33 or 4.31 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000238 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 60% is below the maximum LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 792 exceeds minimum score requirement. | XXXX |
| 900000241 | XXXX | XXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is > 10 points above guideline maximum of 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets are $134,352.40 or 37.18 months PITIRequired reserves are 6 months PITI at $3,613.77x6= $21,682.62 | XXXX |
| 900000242 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | First time investor loan requires DSCR 1.25%; actual DSCR 1.0268%. Does not meet guidelines.REO's XXXX are not documented to be owned by borrower. | 8.4.22: Lender response - There is documentation showing they are owned by an LLC that the borrower has ownership in. Theborrower does not personally own but does have landlord experience managing them via this LLC.Upon further review, the file does not include documentation to show borrower has ownership in the XXXX, company that is listed as owner of the REO's above. Provided documentation to show an ownership interest in the XXXX.8.5.22: Lender provided documentation to support borrower ownership in business XXXX. Meets requirements for DSCR. | 8.4.22: Exception remains.8.5.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $98,706 exceed guideline requirement of $24,389.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Representative Credit Score 707 is above guideline minimum | XXXX |
| 900000244 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has owned present residence for 28 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed for 37 years and 4 months.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 46 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 51.51% is 13.49% below maximum LTV of 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 803 exceeds the minimum credit score of 720, 83 points.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: 82 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified assets $114,206.84/93.58 months reserves. 3 months reserves required. | XXXX |
| 900000246 | XXXX | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 75% is below max LTV of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 704 is above min score of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $54,836 exceed guidelines $13,816. | XXXX |
| 900000248 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | Lender exception for DSCR score of 1.0 vs required 1.25 for investor with less than 12 months history. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrower has excellent mortgage history 0x30 since 2/2012.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 784 exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $226,847 exceed guidelines $24,851. | XXXX |
| 900000248 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Lender exception for LTV of 80% vs guideline requirement of 75% on 4 unit property. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrower has excellent mortgage history 0x30 since 2/2012.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 784 exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $226,847 exceed guidelines $24,851. | XXXX |
| 900000249 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt D | B | A D | B | A | Compliance | TILA | Satisfied B A | CMPTILA4787 | TILA - Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. | No | Business purpose cert or affidavit is missing from file. | 6.17.22: Lender provided the business use of funds letter signed by borrower. | 6.17.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 764 exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 47.81% is below guideline requirements 75% | XXXX |
| 900000249 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt D | B | A D | B | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Cash out refinance transaction on investment property requires Business Use of Funds letter signed by borrower. | 6.17.22: Lender provided the business use of funds letter signed by borrower. | 6.17.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 764 exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 47.81% is below guideline requirements 75% | XXXX |
| 900000251 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Active B | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV of 64.97% is 4.97% greater than the maximum LTV of 60% allowed under the program guidelines. Non Material, final grade B. | 6.17.22: Lender provided the exception request document. Though XXXX made an exception to override their guidelines that does not make the exception for violating guidelines go away. XXXX will acknowledge exception approval and will determine if said violation is a material or non-material exception based on the overall review of the loan file. This exception has been deemed non-material and this is XXXX final grade B. | 6.17.22: Exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves of 15.29 months PITIA is 5.29 months greater than the 10 months reserves required for the program.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Co-Borrower has 20 years 2 months at current residence. | XXXX |
| 900000252 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 70% is lower than max LTV of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Total assets verified $1,380,436.23. CTC $276,035.37 leaving reserves of $1,104,400.86 or 167.98 mos. (based on P&I after IO period) Guidelines required 6 mos reserves for subject and 2x2= 4 for add'l REO's. | XXXX |
| 900000256 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Application | Active C B | CRDAPP131 | Occupancy status not supported by file documentation | No | Per guidelines, second home must be suitable for year-round use. However, the HOI and Letter of explanation reflects that the rental coverage on policy is because subject property will be a short-term rental, which do not meet guidelines. | 7.28.22- Lender responded; The occupancy concerns were addressed by the underwriter, and the appropriate documentation is in the loan file. A short term rental is defined as XXXX, XXXX etc.. Short-term rentals are allowed on a second home (only rental income would not be allowed). The property is eligible for year-round use and the borrower has exclusive control over the property. The borrower obtaining a home owner's policy that allows for short-term rental does not mean the property is not eligible for year-round use. A second home is a one-unit property that the borrower occupies for a portion of the year in addition to their primary residence. The addition of insurance coverage that allows for short-term rentals does not negate this. | After further review by senior U/W, exception downgraded to non-material. Borrower has 760 Fico score, DTI is 39.63%, and $90,318.72 or 14.09 months PITIA in reserves. Loan closed as an second home but per client it will be used as an short-term rental per LOE, HOI policy reflect that property is being consider as an rental. 2nd home allow up to 14 day not being occupied by applicant. No rental income was used to qualify for subject property. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have owned present residence for 9 years.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 20 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXXX Comments: Co-borrower has been in military for 17 years and 9 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified assets $343,231.92. Cash to close $252,913.20. Post closing cash reserves $90,318.72/14.09 Months Reserves. 8 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 36.94% is below maximum DTI of 50%. | XXXX |
| 900000256 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Assets | Active B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Lender exception request for Gift funds on purchase of 2nd Home. Per guidelines, gift funds not permitted on second homes. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have owned present residence for 9 years.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 20 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXXX Comments: Co-borrower has been in military for 17 years and 9 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified assets $343,231.92. Cash to close $252,913.20. Post closing cash reserves $90,318.72/14.09 Months Reserves. 8 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 36.94% is below maximum DTI of 50%. | XXXX |
| 900000257 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | Section 32 | Satisfied C A | CMPS32371 | Section 32 Loan per Points and Fees Test | No | The Adjusted Charges of $22186.22 exceed the Maximum Charges of $18326.61 by $3859.61. | 8/XX/2022: Client requested clarification of this exception. After review from Sr. Compliance, exception is valid. Per the XXXX in file the discrepancy appears to be the Date Interest Rate Set, they were using 7/XX/22, and we have the App date of 7/XX/22. The difference in the dates is changing the benchmarks enough to be out of threshold. Per the docs in file it does appear 7/11 is the correct date. Exception remains.9/XX/2022: Client provided a XXXX report dated 9/XX/2022. After review from Sr. Compliance, report shows the lender is using a Benchmark date of 7/XX/22, but the application date is 7/XX/22. Exception remains.9/XX/2022: Client responded that lock was done as a forward lock. After review from inside counsel we can accept the date rate set as 7/8. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower self employed for the past 5 years<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 36.29% is below guideline requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $14,647 exceed guidelines $9,114. | XXXX |
| 900000259 | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's credit score 762 exceeds the minimum score of 680<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 4 years at current residence. | XXXX |
| 900000260 | XXXX | XXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Lender exception for start date CPA letter. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 14 years and 7 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been Self employed for 4 years and 7 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 716 exceeds guideline minimum score. | XXXX |
| 900000261 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | After calculating subject reserves and 2 months for each other financed property, File is short $242.84 reserves. | 8.9.22: Lender response that numerous REO properties are owned by business and excluded from requirement. Upon further review from the XXXX document, seven of the REO's previously included in the calculation are business owned and excluded. Required reserves $17,359.68, sufficient reserves verified. | 8.9.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history exceeds guidelines at 0x30x22<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is > 10 points above guideline maximum of 720 | XXXX |
| 900000263 | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have owned present residence for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 776 exceeds minimum credit score of 660, 116 points.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: 71 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $93,945 exceed guidelines of $12,582.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 230.47% is below maximum DTI | XXXX |
| 900000263 | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have owned present residence for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 776 exceeds minimum credit score of 660, 116 points.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: 71 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $93,945 exceed guidelines of $12,582.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 230.47% is below maximum DTI | XXXX |
| 900000266 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | DTI 50.67%: Subject PITI $1,674.16 + debts $2,035 = $3,709.16 total expenses / B1 income $5,837.24 + IRA distribution $642 + pos rental income $840.91 = $7,320.15. Lender DTI 48.88%. Difference based on rental income of $840 compared to lender $1,688. | 7.1.22: Lender response that calculated DTI 48.89%. Upon further review, the refinance of Georgia Dr REO paid off existing lien of XXXX Rental income re-calculated and revised DTI 45.40%. | 7.1.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has 46 years at the current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit Score of 803 exceeds the Program Guidelines of 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 22.53% is lower than the Program Guidelines of 80.00%<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has 28 years at the current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has 46 years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has 68.22 months PITI reserves | XXXX |
| 900000268 | XXXX | XXXX | LA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 80%; max allowed per guidelines is 64.77%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 735 qualifying score. Min required per guidelines is 680. | XXXX |
| 900000274 | XXXX | XXXX | PA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Per guidelines, housing payment history required verified at 0x30x12. Credit report verifies 3 months of mortgage history with no other verifications in the credit file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $48,159.04 or 30.22months PITIA, guidelines required 10 months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 723 qualifying score. Min required per guidelines is 660. | XXXX |
| 900000277 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing CPA letter verifying percentage and length of ownership, per guidelines. | 7.26.22- Lender provided business license | 7.26.22- Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrowers have over 14 years in current job.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 6.95%, maximum LTV guideline is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative credit score is 735, minimum allowed is 720. | XXXX |
| 900000281 | XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 9 years and 6 months.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been employed in the same profession for 9 years and 1 month.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 750 qualifying score. Min required per guidelines is 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $228,283.03 or 70.01 months PITIA, guidelines required 5 months PITIA. | XXXX |
| 900000283 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying FICO of 702 is 62 points above the 640 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 53.47% is below the 70% allowed for the program.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has 27 years 1 month at current residence. | XXXX |
| 900000289 | XXXX | XXXX | GA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER4631 | Loan parameters do not meet guidelines | No | Lender exception for DSCR below 1.25% for first time investor; actual DSCR is 1.22% Lender exception for assignment of purchase contract. Based on compensating factors of good credit history, high credit scores 777/805 and low LTV 70% considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified assets/reserves: $185,980.79 or 91.51 months PITIA. 6 months reserves required for subject.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 777 qualifying score. Min required per guidelines is 680. | XXXX |
| 900000290 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per COCs 4/XX/22 & 4/XX/22, Revised LEs missing. | 6/XX/2022: Client provided LEs 4/22 and 4/28. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score is 791 of the required 720.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 80% LTV below guideline requirement of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $125,696.33 or 21.16 months PITI reserves. | XXXX |
| 900000290 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score is 791 of the required 720.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 80% LTV below guideline requirement of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $125,696.33 or 21.16 months PITI reserves. | XXXX |
| 900000290 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | CD XX/XX/XXXX is only CD in file. Initial CD missing. | 6/XX/2022: Client provided initial CD XX/XX/XXXX | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score is 791 of the required 720.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 80% LTV below guideline requirement of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $125,696.33 or 21.16 months PITI reserves. | XXXX |
| 900000290 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XX/XX/XXXX is only CD in file. Initial CD missing. | 6/XX/2022: Client provided initial CD XX/XX/XXXX | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score is 791 of the required 720.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 80% LTV below guideline requirement of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $125,696.33 or 21.16 months PITI reserves. | XXXX |
| 900000294 | XXXX | XXXX | LA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 719 exceeds min requirement of 719<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrower current mortgage history reflects 0 x 30 x 40. | XXXX |
| 900000297 | XXXX | XXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXXX Comments: Good credit history Mortgage/Revolving accounts 0x30x60x99<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: credit scores of 778 is above guides of 720 | XXXX |
| 900000302 | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: B1 have stayed 12+ years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 16+ years at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV- 52.33%; Program max- 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 801; Program min- 680<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: B1 has only made use of 1.63% of an available $XXXX in open credit line | XXXX |
| 900000306 | XXXX | XXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 784 qualifying score. Min required per guidelines is 720.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage payment history is for 53 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $71,50-.62 or 43.85months PITI, guidelines required 8 months PITI. | XXXX |
| 900000308 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per COCs 5/XX/22, 5/XX/22, & 6/XX/22, LEs are missing from file. | 8.8.22 Client provided 5/XX/22, 5/XX/22 and 6/XX/22. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 58.70%; max allowed per guidelines is 80%.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 41.08%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $8,529.21 or 5.16 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000311 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Lender's App Date is XX/XX/XXXX; List of homeowners counseling organizations' date is 5/XX/22; the List w/ either issued or receipt date w/i 3 business days of lender's app date missing. | 6/XX/2022: Client provided the List of homeowners counseling organizations dated 3/XX/2022. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 9+ years at current job<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have lived 20+ years current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 32.54%; Program max 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets: $33,081.08 Reserve requirement: $22,794.00 | XXXX |
| 900000311 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | State High Cost | Satisfied C A | CMPSTHC315 | NJ High-Cost Loan by exceeding point and fee threshold | No | The charges of $22617.27 exceed the Maximum Charges of $22382.22. Charges Margin to Threshold is $234.05. Maximum Charges allowed is 4.50%; Total Charge % is 4.547%. | 6/XX/2022: Client asked what documentation will clear this exception. After review from Sr. Compliance, there are two PCCDs dated 5/XX/2022 in file with different fee values. The credit report fee appears to be the main issue. Please provide clarification for different fee values, additional testing may apply. Exception remains.6/XX/2022: Client provided the PCCD dated 5/27 with the credit report fee is disclosed as $228.01 which is already in file and does not clarify the change in fee values. Exception remains.7.8.22 Client provided PCCD 5/XX/22. PCCD provided is currently in file. Exception remains.7/XX/2022: Client provided LOE. After review from Sr. Compliance, it is sufficient to satisfy. | 7/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 9+ years at current job<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have lived 20+ years current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 32.54%; Program max 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets: $33,081.08 Reserve requirement: $22,794.00 | XXXX |
| 900000314 | XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Provide 1003 reflecting correct marital status, as shown by letter of explanation showing borrower is married. | 9.13.22: Lender provided the signed 1003 reflecting the correct marital status. | 9.13.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $348,824 exceed guidelines $65,166.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 756 qualifying score. Min required per guidelines is 680.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed with XXXX for 6 years and 1 month. | XXXX |
| 900000314 | XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide documentation for sale of XXXX to confirm sufficient assets to close. | 9.2.22: Lender provided the fully executed final CD XX/XX/XXXX from sale of REO on XXXX and net proceeds of $XXXX | 9.2.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $348,824 exceed guidelines $65,166.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 756 qualifying score. Min required per guidelines is 680.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed with XXXX for 6 years and 1 month. | XXXX |
| 900000315 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 percent tolerance increase of $850 between LE 8/XX/2022 and LE 8/XX/2022. The Appraisal fee was added without valid documentation. | 9/XX/2022: Client provided COC for increase in appraisal fee. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 764 exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 37.40% is below guideline requirement | XXXX |
| 900000316 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 762, exceeds minimum credit score of 680, 82 points.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 43.34% is 6.66% below maximum DTI of 50%. | XXXX |
| 900000316 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | CD XX/XX/XXXX is only CD in file and not provided to borrower at least three days prior to the closing date of XX/XX/XXXX. | 6/XX/2022: Client provided CD XX/XX/XXXX with disclosure tracking confirming same day delivery. However, this was not at least three days prior to closing date of XX/XX/XXXX. Exception remains. 6/XX/2022: Client provided final CD XX/XX/XXXX which is already in file. Exception remains as a CD was not provided to borrower at least three days prior to the closing date of 5/XX/2022. 6/XX/2022: Client provided disclosure tracking for a CD that was provided on XX/XX/XXXX however, the CD dated XX/XX/XXXX was not provided. Exception remains.6/XX/2022: Client provided CD XX/XX/XXXX. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 762, exceeds minimum credit score of 680, 82 points.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 43.34% is 6.66% below maximum DTI of 50%. | XXXX |
| 900000316 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XX/XX/XXXX is only CD in file and not provided to borrower at least three days prior to the closing date of XX/XX/XXXX. | 6/XX/2022: Client provided CD XX/XX/XXXX with disclosure tracking confirming same day delivery. However, this was not at least three days prior to closing date of XX/XX/XXXX. Exception remains. 6/XX/2022: Client provided final CD 5/XX/2022 which is already in file. Exception remains as a CD was not provided to borrower at least three days prior to the closing date of XX/XX/XXXX. 6/XX/2022: Client provided disclosure tracking for a CD that was provided on XX/XX/XXXX however, the CD dated XX/XX/XXXX was not provided. Exception remains. 6/XX/2022: Client provided CD 5/XX/2022. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 762, exceeds minimum credit score of 680, 82 points.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 43.34% is 6.66% below maximum DTI of 50%. | XXXX |
| 900000319 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per the COC Missing LE 08/XX/22 | 9/XX/2022: Client provided LE 8/XX/2022. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Borrower's LTV of 50% is below maximum allowed LTV.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: Borrower's representative score of 791 exceeds the minimum score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower's Post Close assets are $26,700.82 or $21.05 months of PITIA reserves.Required PITIA Reserves are $1,268.23 x 3 = $3,804.69 | XXXX |
| 900000319 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Borrower's LTV of 50% is below maximum allowed LTV.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: Borrower's representative score of 791 exceeds the minimum score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower's Post Close assets are $26,700.82 or $21.05 months of PITIA reserves.Required PITIA Reserves are $1,268.23 x 3 = $3,804.69 | XXXX |
| 900000322 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying FICO of 723 is 43 points above the 680 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves of 55 months PITIA is 47 months greater than the 8 months reserves required. | XXXX |
| 900000323 | XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 10 years at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: 21 years and 7 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 703 qualifying score. Min required per guidelines is 660. | XXXX |
| 900000325 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 722 exceeds guidelines | XXXX |
| 900000326 | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance of $300.00 due to Collateral Desktop Analysis fee added on 08/XX/2022 with no valid reason on the COC and increase of appraisal without valid reason. Provide PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking information within 60 days of discovery. | 9/XX/2022: Client provided PCCD 9/XX/2022, LOE, refund check for $300 and proof of delivery. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner-occupied residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 80% is below the maximum LTV.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $361,378.03 or 29.83 months PITIA, guidelines required 3 months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 786 exceeds the minimum score. | XXXX |
| 900000326 | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C | C | B | Credit | Assets | Active B | CRDAST207 | Assets Are Unreasonable | No | Eight NSFs reflected on bank statements in the most recent 12 months. LOX and lender exception located in file. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner-occupied residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 80% is below the maximum LTV.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $361,378.03 or 29.83 months PITIA, guidelines required 3 months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 786 exceeds the minimum score. | XXXX |
| 900000326 | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C | C | B | Property Valuations | Property | Active B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No | Acreage exceeds property eligibility guidelines. Max acreage 10 acres current acreage of subject is XXXX. Lender approved exception in file | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner-occupied residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 80% is below the maximum LTV.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $361,378.03 or 29.83 months PITIA, guidelines required 3 months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 786 exceeds the minimum score. | XXXX |
| 900000332 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | 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 Settlement Statement but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 9+ years at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV- 48.37%; Program max- 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 763; Program min- 660<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 8.56%; Program max- 50% | XXXX |
| 900000332 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Property Valuations | Appraisal | Active B | PRVAAPPR4789 | Appraisal Deficiency | No | Appraiser Independence Certification on transferred appraisal- This a lender requested exception with approval in file. Consider as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 9+ years at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV- 48.37%; Program max- 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 763; Program min- 660<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 8.56%; Program max- 50% | XXXX |
| 900000335 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3952 | TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established | No | On the Loan disclosures section on the final CD the "will have an escrow account" section is checked and the non-escrowed property costs listed, however, there are no escrows per the waiver in the file. The "will not have escrow" box should be checked with reason also checked. | 8/XX/2022: Client provided PCCD dated 7/XX/2022-2 and LOE. | 8/XX/2022: Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have resided in current owner occupied residence for 8 years and 4 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage payment history is for 19 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 800 qualifying score. Min required per guidelines is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $446,647.59 or 98.64 months PITIA, guidelines required 5 months PITIA. | XXXX |
| 900000335 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Property Valuations | Property | Satisfied C A | PRVAPROP2674 | Property Issues Indicated 2 | No | Per guidelines, for Second Home or Investment Property, 30% of the units must be sold or under contract as a primary residence or second home on the subject phase. Appraisal indicates 95.337% is investment property. | 8.5.22: Lender response that XXXX Non-Warrantable Condotel approval and the Condotel guidelines #27below dont address the 30% pre-sale because Condotels have to be Established (they cant be New) see guidelines below. The Pre-sale requirements you are referring to are under the Non-Warrantable Condo Section #26 which allows New projects if they meet those pre-sale requirements. Per the attached HOA questionnaire which is also in H20, the project is Established and corrections to the occupancy breakdown on the appraisal were not requested as we were instructed by Condo Management not to request appraisal correction.Upon further review condo meets requirements as condotel. | 8.5.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have resided in current owner occupied residence for 8 years and 4 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage payment history is for 19 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 800 qualifying score. Min required per guidelines is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $446,647.59 or 98.64 months PITIA, guidelines required 5 months PITIA. | XXXX |
| 900000336 | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 26+ years at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV- 75%; Program max- 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 777; Program min- 660<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: B1 has only made use of 4.08% of an available $XXXX in open credit line<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets: $46,890.14 Reserve requirement: $4,307.52<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 38.10%; Program max- 50% | XXXX |
| 900000339 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC reflects CD dated XX/XX/XXXX was issued. Missing CD XX/XX/XXXX. | 9/XX/2022: Client provided CD 8/XX/2022. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 66.63% is below the maximum LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 770 exceeds the minimum score.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 31.69% is below the maximum DTI.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $51,229.39 or 10.88 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000339 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | APR on initial CD is 7.617, APR on final CD is 7.807 for an increased difference of 0.19. | 9/XX/2022: Client provided CD XX/XX/XXXX and tracking which disclosed the APR increase was provided at least three days prior to closing date of XX/XX/XXXX | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 66.63% is below the maximum LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 770 exceeds the minimum score.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 31.69% is below the maximum DTI.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $51,229.39 or 10.88 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000340 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 61.95% is below guideline requirements<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has owned and resided in primary residence for 24 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 773 exceeds guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history is 0x30x99<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $142,548 exceed guidelines requirement of $14,682.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 11.69% is below guideline requirement | XXXX |
| 900000341 | XXXX | XXXX | AL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | File is missing most recent paystub and most recent 2 years W2s for the primary borrower supporting income used to qualify. | 7.1.22: Lender provided the recent paystub and two years W2's. | 7.1.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Median FICO > 25 points above guideline minimum of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers have 48.78 months of PITI available in reserves; 5 months required.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI > 10% below guideline maximum of 50%. | XXXX |
| 900000341 | XXXX | XXXX | AL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Active B | CRDTER3256 | Seller contributions exceed guideline requirements | No | Total seller contributions of $4,300 exceeds to maximum allowable contributions of 2%, or $3,200 in this case. | 7.1.22: Lender provided the CD XX/XX/XXXX previously in file. The ALTA Settlement Statement printed 6/XX/22 is showing seller credits of $4,300. Provide a corrected ALTA Settlement statement to match the CD XX/XX/XXXX | 7.1.22: Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Median FICO > 25 points above guideline minimum of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers have 48.78 months of PITI available in reserves; 5 months required.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI > 10% below guideline maximum of 50%. | XXXX |
| 900000341 | XXXX | XXXX | AL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | File is missing the following documentation as required by client guidelines:1) Loans must be submitted to XXXX. File is missing this documentation.2) Notice to Borrower: Ability to Repay Disclosure signed by the borrowers.3) Ability to Repay (ATR) Certification completed by underwriter. | 7.1.22: Lender provided the XXXX, ATR certification and ATR disclosure signed by borrowers. | 7.1.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Median FICO > 25 points above guideline minimum of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers have 48.78 months of PITI available in reserves; 5 months required.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI > 10% below guideline maximum of 50%. | XXXX |
| 900000344 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 57% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 745 exceeds guidelines | XXXX |
| Removed from deal | XXXX | XXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Months PITI Reserves (Qual Rate) 71.23 Cash Reserves $112,528.40<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has overall good credit history | XXXX |
| 900000348 | XXXX | XXXX | TX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal Deficiency | No | Per appraisal subject occupancy listed as owner occupied. Subject transaction is a cash out refinance of investment property. Provide a corrected appraisal report. | 7.11.22: Lender provided a corrected appraisal listing occupancy as tenant occupied. | 7.11.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: 23 yrs vs 2 yrs<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 21 yrs vs 2 yrs | XXXX |
| 900000350 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | The Zero tolerance testing failed by $25.00 due to the Appraisal Re-Inspection Fee increases on CD XX/XX/XXXX. The COC's in file do not reflect valid Reasons/Explanations for why the fee was increased. Provide COC for review, or provide borrower with a $25.00 refund, Post CD with cure, LOE and proof of delivery within 60 days of discovery that includes tracking information. | 9/XX/2022: Client provided PCCD 9/XX/2022, LOE, Refund check for $25 and proof of delivery. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 670 exceeds the minimum score.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 44.55% is below the maximum DTI. | XXXX |
| 900000352 | XXXX | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC in file reflects an LE was provided to borrower on 8/XX/2022 however, that LE is missing from file. | 8/XX/2022: Client provided LE 8/XX/2022. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 7.68% is below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative score is 793<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $98,480 exceed guidelines of $54,077. | XXXX |
| 900000352 | XXXX | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 increase between LE 5/XX/2022 and LE 5/XX/2022 by $250. The Appraisal fee increased without valid reason. | 8/XX/2022: Client provided valid COC for appraisal increase. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 7.68% is below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative score is 793<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $98,480 exceed guidelines of $54,077. | XXXX |
| 900000352 | XXXX | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide copy of Final CD from sale of current Primary on XXXX showing minimum of $XXXX in net proceeds as indicated on Final 1003 | 8.29.22: Lender provided the CD 8/XX/22 from sale of REO on XXXX with net proceeds to borrower of $XXXX | 8.29.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 7.68% is below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative score is 793<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $98,480 exceed guidelines of $54,077. | XXXX |
| Removed from deal | XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has overall good credit history<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 18.21% is below guideline maximum requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 730 exceeds the minimum score. | XXXX |
| 900000358 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrowers have over 21 years in profession.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 80%, maximum LTV guideline is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative credit score is 784, minimum allowed is 740. | XXXX |
| 900000358 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $100 due to (Appraisal Fee & 2nd Appraisal Fee) increased from LE to CD without a detailed explanation for the nature of the change. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | 6/XX/2022: Client provided COC stating the Appraisal increase is due to request for turn time. After review from compliance department, if the request was made by borrower then we need proof of that request. Our Compliance department's concern is that this exact scenario was addressed by the CFPB in their recent supervisory highlights. 2. Examiners found that certain lenders failed to retain sufficient documentation to establish the changed circumstances validity. Specifically, the lenders disclosed an appraisal fee on initial Loan Estimates and subsequently disclosed appraisal rush fees, in a higher amount, on revised Loan Estimates. The lenders claimed the rush appraisals, which led to the appraisal rush fees, were requested by consumers. However, in each instance, the lender failed to maintain sufficient documentation evidencing the consumers request of the rush appraisals; in fact, the documentation maintained reflected that either the appraisal management company notified the lenders that a rush appraisal would be needed or the lenders loan officers requested the rush appraisal. In certain instances, the lenders documentation included only a checked box indicating the consumer requested the rush appraisal, but there was no other evidence retained reflecting this occurred. In response to these findings, the lenders agreed to remediate affected consumers, revise their policies and procedures to ensure relevant documentation is obtained and maintained, and strengthen relevant quality control audit functions.Exception remains.7.7.22 Client provided PCCD and refund check. Exception satisfied. | 7/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrowers have over 21 years in profession.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 80%, maximum LTV guideline is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative credit score is 784, minimum allowed is 740. | XXXX |
| 900000359 | XXXX | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | &nbsp;&nbsp;&nbsp;&nbsp; # of Tradelines Does Not Meet Guideline Requirements ; signed exception approval in file, with 0x30xproof of Rent payments | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 25 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 30.91% is below the maximum DTI.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 789 exceeds guideline minimum score. | XXXX |
| 900000360 | XXXX | XXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers' credit score 734 exceeds the minimum score of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post close assets are $27,896.06 or 31 months PITIA, Reserves required per guidelines are $5,390.4 or 6 months PITI | XXXX |
| 900000361 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 74.47%; max allowed per guidelines is 90%.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: The borrower has worked in the transportation industry for 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 747 qualifying score. Min required per guidelines is 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $145,553.53 or 26 months PITIA, guidelines required 3 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 25.80%, max per guidelines is 50%. | XXXX |
| 900000367 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC reflects LE 6/XX/2022 was issued. Missing LE dated 6/XX/22. | 7.11.22 Client provided LE dated 6/XX/22. Missing LE dated 6/XX/22. Exception remains. 7.12.22 Client provided COC. Missing LE dated 6/XX/22. 7.13.22 Client provided LE dated 6/XX/22. | 7.12.22: Exception remains.7.13.22 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrowers have been in profession for 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers' credit score 750 exceeds the required score of 680<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Credit usage is minimal at 5%. | XXXX |
| 900000369 | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has 30.72 months PITI, required is 3 months.. | XXXX |
| 900000373 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | LTV/CLTV | Active C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Actual LTV- 75% exceeds program maximum for investments property of 70%. Lender approved exception is in file. | (No Data) | 6.30.2022- After further review, exception downgraded to non-material- LTV is over 5% but LTV is 75%. Low DTI of 11.55% and sufficient reserves 32.02 months PITI or $220,909.68 | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 17+ years at current job<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 11.55%; Program max- 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets: $220,909.68 Reserve requirement: $138,863.36 | XXXX |
| 900000375 | XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero Tolerance testing failed by $175.00 due to the addition of Appraisal Desk Review Fee without valid Change Reasons documented in the file. Lender credit of $25 is on final CD but is not sufficient, $150 more is due to borrower. | 6/XX/2022: Client provided COC disclosing reason for desk review fee addition and LE 5/XX/2022. | 6/XX/2022: Exception satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 39+ years at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV- 23.56%; Program max- 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 811; Program min- 660<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: 0x30 for 40+ months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 8.23%; Program max- 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets: $127,722.52 Reserve requirement: 14,084.00 | XXXX |
| 900000378 | XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has 30 years same line of work.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has 5 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Qualifying DTI 43.08% below program maximum 50.00%. | XXXX |
| 900000378 | XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Assets | Active D B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | 7.7.22: Lender exception in file for use of 85% business assets instead of required 75% per guidelines. Consider as non-material. | 7.7.22: Lender provided the documentation for lender exception.Though XXXX made an exception to override their guidelines that does not make the exception for violating guidelines go away. XXXX will acknowledge exception approval and will determine if said violation is an material or non-material exception based on the overall review of the loan file. This exception has been deem non-material and this is XXXX final grade B. | 7.7.22: Exception remains. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has 30 years same line of work.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has 5 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Qualifying DTI 43.08% below program maximum 50.00%. | XXXX |
| 900000380 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: High fico 720 exceed guide lines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $160,412.16 exceeds guide lines. | XXXX |
| 900000381 | XXXX | XXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's credit score 733 exceeds the required score of 640.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: Borrower does not have any major mortgage related occurrences during the past two years | XXXX |
| 900000383 | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC reflects LE 6/XX/22 was issued. Missing LE dated 6/XX/22. | 7/XX/2022: Client provided LE 6/21. | 7/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 740 qualifying score. Min required per guidelines is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets: Verified assets/reserves: $79,397.14 or 25.30 months PITIA. 6 months reserves required for subject 2 month reserve for REOs.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 8 years at current residence. | XXXX |
| 900000386 | XXXX | XXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 20 years and 1 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 707 qualifying score. Min required per guidelines is 680. | XXXX |
| Removed from deal | XXXX | XXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 760 exceeds the minimum score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves is $121,658.56 | XXXX |
| 900000389 | XXXX | XXXX | TX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Length of mortgage history does not meet guidelines requirement of: 0x30x12;mortgage payment history verified with credit report only reflects 4 months payment history. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 787 exceeds guideline requirements of 720.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 52.75% LTV below guideline requirements of 75%.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has good credit history. | XXXX |
| 900000390 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's credit score 777 exceeds the required score of 680<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Credit usage is minimal at 8%. | XXXX |
| 900000396 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has owned present residence for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 731 exceeds minimum credit score of 680, 51 points.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: 62 months mortgage history with no late pays. | XXXX |
| Removed from deal | XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 762 exceeds min score requirement of 740<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been at current job for 13 years. | XXXX |
| 900000398 | XXXX | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Co-borrower 1 has owned present residence for 9 years. Co-borrower 2 has owned present residence for 25 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 57.62% is 17.38% below maximum LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 730 exceeds minimum credit score of 680, 50 points.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: 55 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $176,110 exceed guidelines required $17,442. | XXXX |
| 900000400 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations is missing from file. | 7/XX/2022: Client provided list of homeowners counseling organizations. | 7/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXXX Comments: Borrower has been with same employer for 15 years and 3 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Per WVOE, borrower has been with same employer for 31 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 708 exceeds minimum credit score of 660, 48 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified assets $203,105.73. Cash to close $78,151.79. Post closing cash reserves $124,953.94/44.64 months reserves. 6 months reserves required. | XXXX |
| 900000400 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3706 | TRID - Curable Issue #1 related to the Closing Disclosure in file | No | Replaces exception CMPSTHC315 NJ High-Cost Loan by exceeding point and fee threshold.The Adjusted Charges of $20651.77 exceed the Maximum Charges by $4886.10. | 7/XX/2022: Client provided the XXXX report and stated "Per Attached XXXX (pages 9-10) we did not fail NJ high COST test." After review from Sr. Compliance, the points are excluded due to the start rate being greater than 2 from the benchmark rate. Exception remains.8/XX/2022: Client rebuttal sent to Sr. Compliance. After review, exception can be satisfied. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXXX Comments: Borrower has been with same employer for 15 years and 3 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Per WVOE, borrower has been with same employer for 31 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 708 exceeds minimum credit score of 660, 48 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified assets $203,105.73. Cash to close $78,151.79. Post closing cash reserves $124,953.94/44.64 months reserves. 6 months reserves required. | XXXX |
| 900000400 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of property tax amount for REO on XXXX | 7.28.22- Lender provided evidence of property taxes for REO on XXXX | 7.28.22- Exception satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXXX Comments: Borrower has been with same employer for 15 years and 3 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Per WVOE, borrower has been with same employer for 31 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 708 exceeds minimum credit score of 660, 48 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified assets $203,105.73. Cash to close $78,151.79. Post closing cash reserves $124,953.94/44.64 months reserves. 6 months reserves required. | XXXX |
| 900000401 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC in file reflects an LE was provided to borrower on 5/XX/2022 however, that LE is missing from file. | 6/XX/2022: Client provided LE 5/XX/2022. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has 4 years at the current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 17.69% is below Program Guidelines of 50.00%<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has 4 years at the current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has 4 years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $79,267 exceed guidelines $18,177. | XXXX |
| 900000401 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has 4 years at the current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 17.69% is below Program Guidelines of 50.00%<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has 4 years at the current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has 4 years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $79,267 exceed guidelines $18,177. | XXXX |
| 900000401 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 having only has 2 trade lines open for 12 months and additional trade opened 1 month. | 6.28.22: Lender provided the exception request document previously in file.Though XXXX made an exception to override their guidelines that does not make the exception for violating guidelines go away. XXXX will acknowledge exception approval and will determine if said violation is a material or non-material exception based on the overall review of the loan file. This exception has been deemed non-material and this is XXXX final grade B. | 6.28.22: Exception remains. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has 4 years at the current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 17.69% is below Program Guidelines of 50.00%<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has 4 years at the current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has 4 years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $79,267 exceed guidelines $18,177. | XXXX |
| 900000402 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Please provide the LE associated with the COC dated 7/XX/22. | 9/XX/2022: Client provided LE 7/XX/2022. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 18 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history is 0x30x40 | XXXX |
| 900000402 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Legal Documents | Active B | CRDLGL100 | Legal document incorrect or incomplete | No | Lender exception for use of business funds at 100% vs guidelines of 75%. LTV 80% with borrower invested $XXXX in cash in the deal. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 18 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history is 0x30x40 | XXXX |
| 900000408 | XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has owned and resided in subject residence for 18 years.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is > 10 points above guideline maximum of 720<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV > 10 points below guideline maximum of 80%<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI > 10 points below guideline maximum of 50% | XXXX |
| 900000409 | XXXX | XXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate) 61.49 Cash Reserves $96,239.98 Exceed guidelines requirements<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 61.43% LTV<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: B2 - 7 years at primary residence | XXXX |
| 900000412 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A | (No Data) | Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 19+ years at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 75% is below guideline requirements 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 752; Program min- 660<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 60+ month<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $851,697 exceed guidelines of $79,748. | XXXX |
| 900000412 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Missing the CPA letter for borrowers business. | 6.8.22: Lender provided the CPA letter for borrowers business. | 6.8.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 19+ years at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 75% is below guideline requirements 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 752; Program min- 660<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 60+ month<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $851,697 exceed guidelines of $79,748. | XXXX |
| 900000412 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing the Special Power of Attorney specific to the transaction for B1. | 6.8.22: Lender provided the "Corrected Agreement Limited Power of Attorney" which is used by lender and title company for typographical type corrections. Missing the Special Power of Attorney specific to the transaction for B1 allowing documents to be signed by his attorney in fact specifically for the purchase of the subject property.6.9.22: Lender provided the Special Power of Attorney specific to the transaction for B1. | 6.8.22: Exception remains.6.9.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 19+ years at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 75% is below guideline requirements 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 752; Program min- 660<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 60+ month<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $851,697 exceed guidelines of $79,748. | XXXX |
| 900000412 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR175 | Missing Review Appraisal required per guidelines | No | Missing the second full appraisal as required per guidelines. Appraisal in file dated XX/XX/XXXX by appraiser XXXX. | 6.8.22: Lender provided the second full appraisal for XX3/XX/22 by XXXX. | 6.8.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 19+ years at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 75% is below guideline requirements 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 752; Program min- 660<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 60+ month<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $851,697 exceed guidelines of $79,748. | XXXX |
| 900000418 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 12 years.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has owned and resided in departure residence for 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $134,533 exceed guidelines $11,886.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is > 10 points above guideline maximum of 740 | XXXX |
| 900000418 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | 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 settlement statement but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A | (No Data) | Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 12 years.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has owned and resided in departure residence for 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $134,533 exceed guidelines $11,886.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is > 10 points above guideline maximum of 740 | XXXX |
| 900000418 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 percent tolerance increase between LE 7/XX/2022 and LE 8/XX/2022 by $150. The Appraisal fee increased without valid reason documented. | 9/XX/2022: Client provided COC for increase. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 12 years.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has owned and resided in departure residence for 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $134,533 exceed guidelines $11,886.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is > 10 points above guideline maximum of 740 | XXXX |
| 900000419 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Less than 80% of the loan amount for coverage Dwelling | 9.15.22: Lender provided HOI with Replacement Cost that is sufficient. | 9.15.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been s/e for 7 years and 8 months..<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 5 ears..<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 793 exceeds the minimum score. | XXXX |
| 900000420 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying FICO of 785 is 105 points above the 680 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI (Back) of 32.60% is 12.40% below the 45% allowed for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 49.32% is 25.68% below the 75% allowed for the program. | XXXX |
| 900000423 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 762 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: B1 has owned primary residence for 14 years. | XXXX |
| 900000426 | XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: High Fico 780 exceeds guide lines.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 52% is below lender's guide line maximum. | XXXX |
| 900000432 | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COCs in file reflect and LE was provided to borrowers on 5/27, 6/21, 6/23 and 6/29 however, these LEs are missing from file. | 7/XX/2022: Client provided LE 6/21, 6/23 and 6/29. | 7/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 702 qualifying score. Min required per guidelines is 680.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 68.49%; max allowed per guidelines is 75%.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 4 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 28.15%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $50,568.02 or 14 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000432 | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero percent tolerance increase of $351 between LE 5/XX/2022 and CD XX/XX/XXXX. The Administration fee increased without valid documentation. The lender credit of $145 is not sufficient. $206 refund is due to borrower with PCCD, LOE. Provide copy of docs and proof of delivery. | 7/XX/2022: Client provided PCCD 7/XX/2022, refund check, LOE and proof of delivery. | 7/XX/2022: Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 702 qualifying score. Min required per guidelines is 680.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 68.49%; max allowed per guidelines is 75%.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 4 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 28.15%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $50,568.02 or 14 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000437 | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has 9.96 months reserves, 3 months required..<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is 729 required is 680 | XXXX |
| 900000440 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying FICO of 768.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves of 25 months PITIA is 17 months greater than the 8 months reserves required. | XXXX |
| 900000441 | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | \* Missing verification of additional gift funds and source of funds of $475 as stated on the final CD. \* Missing verification of source of funds and wire receipt of gift in the amount of $3,841. | 8.26.22: Lender provided the Commission Disbursement Authorization that verified the credit of $475 from agent XXXX. Still missing verification of source of funds and wire receipt of gift in the amount of $XXXX: Lender provided the wire receipt from donor to escrow account for gift funds of $XXXX | 8.26.22: Exception remains.8.30.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history is 0x30x32<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 737 exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $36,199 exceed guidelines requirement of $10,000.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 17.13% is below guideline requirement of 45%. | XXXX |
| 900000441 | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Lender exception for B1 not meeting the required tradelines; 4 total trades with only 2 that are greater than 12 months. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history is 0x30x32<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 737 exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $36,199 exceed guidelines requirement of $10,000.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 17.13% is below guideline requirement of 45%. | XXXX |
| 900000441 | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Terms/Guidelines | Active B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Lender exception for occupying borrower is self employed and not eligible based on less than 2 years and is not contributing to qualifying income. Qualifying income is based on the non-occupant co-borrower. B1 has good VOR history and is contributing the funds necessary to close. B2 provides the required reserves and has excellent mortgage history. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history is 0x30x32<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 737 exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $36,199 exceed guidelines requirement of $10,000.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 17.13% is below guideline requirement of 45%. | XXXX |
| 900000447 | XXXX | XXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: High fico 769 exceed guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 10.87 is below lender's guide line maximum.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in the same profession for 30 years. | XXXX |
| 900000448 | XXXX | XXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage payment history is for 21 months when 12 months are required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $525,579.02 or 314.20 months PITIA, guidelines required 10 months PITIA<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 4 years and 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 61.82%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 781 qualifying score. Min required per guidelines is 700. | XXXX |
| 900000453 | XXXX | XXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. | (No Data) | Sourced on Seller CD. Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 732 exceeds min score requirement of 720.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed for 20 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 35% is below max DTI of 50%. | XXXX |
| 900000453 | XXXX | XXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | 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. | (No Data) | Sourced on Seller CD. Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 732 exceeds min score requirement of 720.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed for 20 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 35% is below max DTI of 50%. | XXXX |
| 900000457 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 7.7 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets are $27,519.17 or 11.32 months PITIRequired reserves are 3 months PITI at $2437.40x3= $7,312.20<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 32.19% is below the maximum DTI.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 747 exceeds guideline minimum score. | XXXX |
| 900000459 | XXXX | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 8.52%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 729 qualifying score. Min required per guidelines is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves of $61,560 exceed guidelines required of $7,620. | XXXX |
| 900000459 | XXXX | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID4200 | TRID - LE: The LE In 5 Years section has at least one value that is missing or illegible. | No | LE dated 5/XX/2022 is incomplete and missing page 3. | 7.11.22 Client provided LE dated 5/XX/22. | 7.11.22 Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 8.52%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 729 qualifying score. Min required per guidelines is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves of $61,560 exceed guidelines required of $7,620. | XXXX |
| 900000459 | XXXX | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Final CD XX/XX/XXXX is only CD in file. Product not disclosed at least three days prior to closing date of XX/XX/XXXX | 7.11.22 Client provided CD 6/XX/22. Error has been corrected. | 7.11.22 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 8.52%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 729 qualifying score. Min required per guidelines is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves of $61,560 exceed guidelines required of $7,620. | XXXX |
| 900000459 | XXXX | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XX/XX/XXXX is only CD in file. Provide initial CD given to borrower at least three days prior to closing date of XX/XX/XXXX. | 7.11.22 Client provided CD 6/XX/22. Error has been corrected. | 7.11.22 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 8.52%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 729 qualifying score. Min required per guidelines is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves of $61,560 exceed guidelines required of $7,620. | XXXX |
| 900000459 | XXXX | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD dated XX/XX/XXXX | 7.11.22 Client provided CD 6/XX/22. Error has been corrected. | 7.11.22 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 8.52%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 729 qualifying score. Min required per guidelines is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves of $61,560 exceed guidelines required of $7,620. | XXXX |
| 900000459 | XXXX | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Credit | Credit/Mtg History | Active C B | CRDCRMH150 | Tradelines do not meet guidelines | No | Lender exception request for minimum credit not meeting guidelines and less than 5 years residency; 4 trade lines with less than $5,000 and less than 24 months. Considered non-material. | 7.13.22: Lender provided the exception request document previously in file. Though XXXX made an exception to override their guidelines that does not make the exception for violating guidelines go away. XXXX will acknowledge exception approval and will determine if said violation is an material or non-material exception based on the overall review of the loan file. This exception has been deemed non-material and this is XXXX final grade B. | 7.13.22: Exception remains. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 8.52%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 729 qualifying score. Min required per guidelines is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves of $61,560 exceed guidelines required of $7,620. | XXXX |
| 900000464 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 788 qualifying score. Min required per guidelines is 680. | XXXX |
| 900000465 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has overall good credit history<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 47.06% is below the maximum LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 783 exceeds the minimum score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves is $514,094.25 | XXXX |
| 900000467 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC reflects 7/XX/22 a CD was issued. CD XX/XX/XXXX in file states title version not for borrower. COC in file also states an LE was provided on 6/XX/2022 but that LE is not in file. | 8/XX/2022: Client provided LE 6/29 and initial CD XX/XX | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate) 28.65 Cash Reserves $204,375.00 Exceeds requirements 1 additional financed REO1 free and clear REO<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: 12 years in same line of work<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 10 years at departing residence | XXXX |
| 900000467 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Due to missing initial CD XX/XX/XXXX | 8/XX/2022: Client provided initial CD XX/XX and disclosure tracking confirming a timely delivery. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate) 28.65 Cash Reserves $204,375.00 Exceeds requirements 1 additional financed REO1 free and clear REO<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: 12 years in same line of work<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 10 years at departing residence | XXXX |
| 900000467 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD issued XX/XX/XXXX with a closing date of XX/XX/XXXX. Loan closed before end of waiting period (3 days not observed). | 8/XX/2022: Client provided initial CD XX/XX and disclosure tracking confirming a timely delivery. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate) 28.65 Cash Reserves $204,375.00 Exceeds requirements 1 additional financed REO1 free and clear REO<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: 12 years in same line of work<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 10 years at departing residence | XXXX |
| 900000467 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Credit/Mtg History | Active B | CRDCRMH104 | Credit score below guidelines | No | Credit score 739 Required per guidelines 740. Exception approval located in file, consider as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate) 28.65 Cash Reserves $204,375.00 Exceeds requirements 1 additional financed REO1 free and clear REO<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: 12 years in same line of work<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 10 years at departing residence | XXXX |
| 900000467 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Property Valuations | Property | Satisfied D A | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter | No | Appraiser to provide Rebuild Letter | 8.10.22: Lender provided the appraisal with appraiser addendum confirming subject may be rebuilt. | 8.10.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate) 28.65 Cash Reserves $204,375.00 Exceeds requirements 1 additional financed REO1 free and clear REO<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: 12 years in same line of work<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 10 years at departing residence | XXXX |
| 900000468 | XXXX | XXXX | IA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Earliest CD in file is dated XX/XX/XXXX and not provided to borrower at least three days prior to the consummation date of XX/XX/XXXX | 8.26.22 Client provided CD XX/XX/XXXX | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 758 exceeds in requirement of 740<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 80% is below max LTV of 90%. | XXXX |
| 900000468 | XXXX | XXXX | IA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Earliest CD in file is dated XX/XX/XXXX and not provided to borrower at least three days prior to the consummation date of XX/XX/XXXX | 8.26.22 Client provided CD XX/XX/XXXX | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 758 exceeds in requirement of 740<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 80% is below max LTV of 90%. | XXXX |
| 900000474 | XXXX | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: SE #2 business 5 yrs 10 months<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 27.92% is below guideline requirement | XXXX |
| 900000478 | XXXX | XXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXX Comments: The borrower has owned XXXX for 18 years<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 80%; max allowed per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 26.67%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $21,278.94 or 4.70 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000479 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in file; need in order to complete fee entry&nbsp;&nbsp;&nbsp;&nbsp; | 7/XX/2022: Client provided seller CD. | 7/XX/2022: Exception satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 35 years.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: The borrower has owned XXXX for 28 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 80%; max allowed per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 810 qualifying score. Min required per guidelines is 740<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $119,373.58 or 19.96 months PITIA, guidelines required 3 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 33.23%, max per guidelines is 50%. | XXXX |
| 900000485 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - XXXX Comments: B2 has been self employed at current job for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 785 exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 41.30% is below guideline requirements | XXXX |
| 900000489 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 18.67%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $31,522.17 or 8.81 months PITIA, guidelines required 3 months | XXXX |
| 900000495 | XXXX | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC reflects LE 7/XX/22 was issued. Missing initial LE dated 7/XX/22-2 reflecting rate 7.875. | 9/XX/2022: Client provided final LE 7/XX/2022-2 | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 744 exceeds the minimum score.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: 23 years in current profession. | XXXX |
| 900000498 | XXXX | XXXX | AL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | DSCR 1.063% for first time investor (landlord experience 6 months) does not meet minimum required DSCR of 1.25%. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 68.65% is below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 804 exceeds guidelines | XXXX |
| 900000499 | XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per COC 4/XX/22, Revised LE missing. | 6/XX/2022: Client provided LE 4/XX/2022. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has 20 years in his profession<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Low LTV at 63.55%, max LTV 75% | XXXX |
| 900000499 | XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing 12 month mortgage history, VOM or cancelled checks. | 6.17.22: Lender provided the payoff statement from XXXX for reverse mortgage. Property is an inheritance and has been greater than 6 months since awarded. No VOM due to subject payoff mortgage was a reverse mortgage. | 6.17.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has 20 years in his profession<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Low LTV at 63.55%, max LTV 75% | XXXX |
| 900000501 | XXXX | XXXX | AK | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC in file reflects a CD was provided on XX/XX/XXXX however, that CD is not in file. | 8/XX/2022: Client provided CD XX/XX/XXXX. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 43.70%, max per guidelines is 50<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 5 years and 5 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $26,611.30 or 13.97 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000502 | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative score is 734<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $7,361 exceed guidelines $2,867.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has been at current self employed job for 11 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 38.67% is below guideline requirement | XXXX |
| 900000502 | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Lender exception for not meeting the minimum required tradelines of 3, borrower has 2. Excellent VOR history, 11 years at current self employed job and DTI of 38.67%. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative score is 734<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $7,361 exceed guidelines $2,867.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has been at current self employed job for 11 years.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 38.67% is below guideline requirement | XXXX |
| 900000503 | XXXX | XXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 6 years at current residence.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: Borrower does not have any major mortgage related occurrences during the past two years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's credit score 756 exceeds the required score of 680 | XXXX |
| 900000504 | XXXX | XXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in the same profession for 28 years.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 21 years and 1 months.. | XXXX |
| 900000507 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Insurance | Satisfied B A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Effective date 6/XX/22. Borrowers CD disbursement date is XX/XX/XXXX | 6.22.22: Lender provided the HOI with effective date 6/XX/22 - 6/XX/23. | 6.22.22: Exception satisfied. | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 6+ years at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV- 75%; Program max- 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 809; Program min- 680<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: B1 has only made use of 2.37% of an available $XXXX in open credit line<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets: $132,631.62 Reserve requirement: $62,653.56 | XXXX |
| 900000510 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 715 qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: 20.56% DTI | XXXX |
| 900000513 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 724 exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 48.50% is below guideline requirements | XXXX |
| 900000515 | XXXX | XXXX | TX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | Lender exception for use of rental income from a ADU. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 790 exceeds guidelines | XXXX |
| 900000518 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV b31.43% is elow guideline requirements of 80%.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 17 years 1 month at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 742 qualifying score. Min required per guidelines is 680. | XXXX |
| 900000519 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed with Best Auto Sale of Miami for 6 years and 4 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 70%; max allowed per guidelines is 90%.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage payment history is for 24 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $54,227 exceed guidelines $11,050.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 33.21%, max per guidelines is 50%. | XXXX |
| 900000520 | XXXX | XXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fee increase between LE 7/13 and CD XX/XX by $XXXX. The Broker fee was added without valid documentation. | 8/XX/2022: Client provided valid COC. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 773 exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has been self employed at current job for 16 years. | XXXX |
| 900000522 | XXXX | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: High fico 773 exceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 38.38 is below lender's guide line maximum. | XXXX |
| 900000527 | XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | Federal Higher-Priced | Satisfied C A | CMPFDHP2061 | Federal higher-priced mortgage loan; no evidence escrow account was established at closing. | No | There is no escrow account. | 8/XX/2022: Client provided the escrow disclosure statement XX. After review from inside counsel, a PCCD and LOE to borrower is also required. Exception remains.8.26.20 Client provided LOE, PCCD dated 6/XX/22 and IEA. | 8.26.2022: Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Qualifying DTI 34.74% below program maximum 50.00%.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Qualifying LTV 49.723% below program maximum 70.00%.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have 7 years 1 month at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower 1 has 5 years 2 months in same line of work. Borrower 2 has 7 years 3 months in same line of work. | XXXX |
| 900000527 | XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Co-borrower does not meet minimum tradeline requirement. Co-borrower only has 1 tradeline reported, guidelines require 3. Lender approved exception in file with disposition date of 5/XX/22. Exception approval requires minimum 750 FICO score, max DTI 50%, max LTV 70.00% and 6 months reserves. All requirements of exception have been met. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Qualifying DTI 34.74% below program maximum 50.00%.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Qualifying LTV 49.723% below program maximum 70.00%.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have 7 years 1 month at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower 1 has 5 years 2 months in same line of work. Borrower 2 has 7 years 3 months in same line of work. | XXXX |
| 900000533 | XXXX | XXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers' credit score 767 exceeds the minimum score of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves of $159,518.69 or 86 months PITI exceeds the required reserves of $27,282 or 6 months PITI | XXXX |
| 900000535 | XXXX | XXXX | WI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 8 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 750 qualifying score. Min required per guidelines is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified assets/reserves: $214,215.28 or 79.49 months PITIA. 6 months reserves required for subject and 2 months PITIA REO reserves. | XXXX |
| 900000541 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 739 qualifying score , minimum 720 per guides<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate) 104.48 Cash Reserves $361,199.35 | XXXX |
| 900000544 | XXXX | XXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 782 qualifying score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0 x 30 for 48 months | XXXX |
| 900000548 | XXXX | XXXX | IN | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing page 1 of the 1003 | 9.9.22: Lender provided the complete Entity Loan Application. | 9.9.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative score of 697 exceeds the minimum score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower's Post Close Assets are $70,694.21 or 122.88 months of PITIA reserves.Required PITIA Reserves are $575.30 x 6 = $3,451.80 | XXXX |
| 900000548 | XXXX | XXXX | IN | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Active B | CRDTER113 | Loan amount is below guideline minimum | No | Lender exception for loan amount less than minimum of $100,000. Based on compensating factors of high DSCR 1.5 and low LTV 60% considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative score of 697 exceeds the minimum score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower's Post Close Assets are $70,694.21 or 122.88 months of PITIA reserves.Required PITIA Reserves are $575.30 x 6 = $3,451.80 | XXXX |
| 900000554 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $164,508 exceed guidelines of $11,839.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 52.50% is below guideline requirements<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has overall good credit history | XXXX |
| 900000554 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 7/XX/2022: Client provided CD XX/XX/XXXX | 7/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $164,508 exceed guidelines of $11,839.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 52.50% is below guideline requirements<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has overall good credit history | XXXX |
| 900000554 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final CD XX/XX/XXXX is the only CD in file. Condition is pending receiving initial CD acknowledged by borrowers min 3 days prior to consummation and, if applicable, any revised/ funding CDs | 7/XX/2022: Client provided CD XX/XX/XXXX | 7/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $164,508 exceed guidelines of $11,839.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 52.50% is below guideline requirements<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has overall good credit history | XXXX |
| 900000554 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero percent tolerance of $7225 due to added Transfer Tax $7000 on 06/XX/2022 and added CDA fee in amount of $150 and increased Appraisal fee by $75 with no valid reason documented in file. Lender's credit for tolerance cure of $6087.50 was applied but is not sufficient to cover it. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund in amount of $1137.50 and proof of delivery via shipping that includes tracking information. | 7/XX/2022: Client provided COCs dated 5/25 and 6/7. After review from Sr. Compliance, the Appraisal increase COC is valid but the $150 CDA increase COC is not. Please also provide clarification regarding the lender credit of $6087.50 as that amount appears to only be the total of State / Transfer and does not include the City / County amount of $1,050. Updated tolerance cure due to borrower is $1200. Exception remains.7/XX/2022: Client uploaded rebuttal for transfer taxes and 6.30 COC. After review from Sr. Compliance, the entire amount for the City / County tax stamps was added after the fact, and the other transfer fees were refunded as well. This would appear to violate Good Faith disclosure and should be refunded. 1. Good faith requirement for prepaid interest, property insurance premiums, and escrowed amounts. Estimates of prepaid interest, property insurance premiums, and amounts placed into an escrow, impound, reserve or similar account must be consistent with the best information reasonably available to the creditor at the time the disclosures are provided. Exception remains.8/XX/2022: Client provided PCCD 8/XX/2022, LOE, Refund check for $1200 and proof of delivery. | 8/XX/2022: Exception satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $164,508 exceed guidelines of $11,839.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 52.50% is below guideline requirements<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has overall good credit history | XXXX |
| 900000554 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | DTI | Active B | CRDDTI187 | Debt Ratio > 50% | No | DTI 54.42% exceeds maximum per guidelines of 50.0%. Lender exception approval request provided. Consider non-material exception. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $164,508 exceed guidelines of $11,839.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 52.50% is below guideline requirements<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has overall good credit history | XXXX |
| 900000555 | XXXX | XXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 68.04% is below max LTV of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 795 exceeds the min score requirement of 720. | XXXX |
| 900000556 | XXXX | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has overall good credit history<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 38.52% is below the maximum DTI.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 770 exceeds the minimum score per guidelines. | XXXX |
| 900000558 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing verification/source of gift funds of $107,000 & $175,000 transferred to escrow. | 7.13.22: Lender provided the gift wire receipts directly to escrow for funds of $107,000 and $175,000. | 7.13.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 80%; max allowed per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 3 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 756 qualifying score. Min required per guidelines is 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves of $109,856 exceed guidelines of $57,530.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 37.94%, max per guidelines is 50%. | XXXX |
| 900000559 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A | (No Data) | Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 799 exceeds guideline requirements.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has good credit history.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 75.11% LTV exceeds guideline requirement of 97%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $57,273.58 or 11.67 months PITI reserves.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has 20 years in profession. | XXXX |
| 900000559 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 percent tolerance increase between LE 5/XX/2022 and LE 6/XX/2022 by $150. The Appraisal fee increased without valid documentation. | 7.12.22 Client provided COC and LE dated 5/XX/22. Error has been corrected. | 7.12.22 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 799 exceeds guideline requirements.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has good credit history.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 75.11% LTV exceeds guideline requirement of 97%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $57,273.58 or 11.67 months PITI reserves.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has 20 years in profession. | XXXX |
| 900000560 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER4631 | Loan parameters do not meet guidelines | No | Lender exception for First time home borrower purchasing a second home that does not meet guidelines. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 25 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $198,035 exceed guidelines $9,421.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 12.72% is below guideline requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 778 exceeds guidelines | XXXX |
| 900000563 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 760 qualifying score. Min required per guidelines is 740.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 38.11%, max per guidelines is 50%.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: The borrower has been in the pest control industry for 26 years and 8 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $50,268.53 or 16.45 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000564 | XXXX | XXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | A revised LE is missing from the file. Per Change of Circumstance Detail, a LE was re-disclosed and delivered on 6/XX/22. If applicable, provide completed LE for further testing. Additional conditions may apply. | 8/XX/2022: Client provided LE 6/XX/2022. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 75%; max allowed per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 726 qualifying score. Min required per guidelines is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $532,745 exceed guidelines of $18,795. | XXXX |
| 900000564 | XXXX | XXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 cure required in the amount of $25.00 due to change of circumstance issued on 6/XX/22 missing a valid reason for the Appraisal fee increase from $525.00 to $550.00. Provide a LOX, corrected CD with refund and proof of delivery within 60 days of consummation. | 8/XX/2022: Client provided COC for increase in appraisal fee. Form stated " market conditions" as reason. Per inside counsel, "market conditions" is not a valid reason. Provide refund of $25, LOE, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. Exception remains.8/XX/2022: Client provided additional information regarding the appraisal fee increase. After review from Sr. Compliance, the additional information is sufficient COC for increase. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 75%; max allowed per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 726 qualifying score. Min required per guidelines is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $532,745 exceed guidelines of $18,795. | XXXX |
| 900000564 | XXXX | XXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Homeowners insurance effective date 7/XX/22 is greater than the loan disbursement date XX/XX/XXXX | 8.4.22: Lender provided the HOI policy with effective date of 7/XX/22. | 8.4.22: Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 75%; max allowed per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 726 qualifying score. Min required per guidelines is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $532,745 exceed guidelines of $18,795. | XXXX |
| 900000567 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 755 exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves 152,760 exceed guidelines $12,115. | XXXX |
| 900000568 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 38.58%, max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 762 qualifying score. Min required per guidelines is 680.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: The borrower has been a clinical nurse for 7 years and 2 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $20,423 exceed guidelines $14,296. | XXXX |
| 900000574 | XXXX | XXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 20 years at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: 29 years in profession.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Borrower's DTI 40% is below the max DTI 50% | XXXX |
| 900000576 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 36.63%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $31,274.06 or 7.39 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000578 | XXXX | XXXX | CO | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. | 9.16.22: Lender provided a second appraisal supporting the value used to qualify. | 9.16.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: Borrower does not have any major mortgage related occurrences during the past two years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers' credit score 789 exceeds the required score of 680. | XXXX |
| 900000581 | XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Total LTV is 52.17%<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has overall good credit history<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 29.57% is below guideline maximum DTI. | XXXX |
| 900000585 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 737 exceeds min score requirement of 680.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 16 years. | XXXX |
| 900000587 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed with XXXX for 5 years and 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 722 qualifying score. Min required per guidelines is 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 15.48%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $81,343.05 or 26.33 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000587 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Per guidelines, for First-Time Homebuyer, borrowers who live rent fee are not eligible. Signed application reflects borrower is a first time homebuyer, and that he has been at current address for 5 years with no primary housing expense. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed with XXXX for 5 years and 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 722 qualifying score. Min required per guidelines is 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 15.48%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $81,343.05 or 26.33 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000601 | XXXX | XXXX | MI | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Legal Documents | Active B | CRDLGL100 | Legal document incorrect or incomplete | No | Lender exception for acceptance of appraisal transfer to lender from the non-origination lender. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 18 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 75% is below max LTV of 80%. | XXXX |
| 900000605 | XXXX | XXXX | NV | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Lender exception for first time investor (less than 12 months property management history) with DSCR 1.0% that does not meet minimum of 1.25%. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 759 exceeds guidelines | XXXX |
| 900000607 | XXXX | XXXX | OR | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | Lender exception for use of business tax returns to determine ownership percentage while using business bank statements. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 752 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 12 years 11 months | XXXX |
| 900000607 | XXXX | XXXX | OR | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing the Homeowners Insurance declaration page. File contains the HOI transfer letter only. | 8.29.22: Lender provided the HOI policy dec page and the replacement cost estimate. Sufficient coverage verified. | 8.29.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 752 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 12 years 11 months | XXXX |
| 900000609 | XXXX | XXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate) 229.94 Cash Reserves $1,040,819.87<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 773 qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: At job since 2015<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXXX Comments: At job since 2016 | XXXX |
| 900000611 | XXXX | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 1.78% is below the maximum guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 792 exceeds guidelines the minimum score | XXXX |
| 900000611 | XXXX | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 1.78% is below the maximum guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 792 exceeds guidelines the minimum score | XXXX |
| 900000615 | XXXX | XXXX | VA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Lender exception to allow 1x30x12 02/XX/22 mortgage history for first time investor. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been a current residence for 18 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Borrower LTV of 46.51% is below max LTV of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 756 is above min credit score requirement of 680. | XXXX |
| 900000618 | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 7.30%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $48,964 exceed guidelines of $18,774. | XXXX |
| 900000620 | XXXX | XXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 776 exceeds guidelines<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: B1 has 0x30 mortgage history since 2/2020. | XXXX |
| 900000621 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER4643 | Borrower does not meet guideline requirements | No | Lender used 85%; however per XXXX Product guide, only 50% should be used since borrower is not of retirement age. Qualified Liquid Assets + $XXXX ($XXXX x 50%- bor is not retirement age) Down Payment - $15,000 Closing Cost (cash to close) - $XXXX. 60 Months of Debt Reserves (cash to close) - $XXXX. Usable Assets from above = $XXXX Usable Assets divided by 60 = $XXXX. Total Monthly Debt - $XXXX. Residual Income = negative $XXXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 79.73% is below max LTV of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower mid score of 799 is below min score requirement of 680.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has a Credit Line Usage Ratio of only 3%. | XXXX |
| 900000623 | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 80%; max allowed per guidelines is 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $40,864.30 or 5.72 months PITIA, guidelines required 3 months PITIA.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: The borrower has owned a roofing company for 5 years | XXXX |
| 900000629 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 30% is below max LTV of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Total assets verified $1,462,890.35. CTC $933,606.07 leaving reserves of $529,284.28 or 127.57 mos. Guidelines required 3 mos reserves.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 21 years. | XXXX |
| 900000634 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 20 years 1 month<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 56.08% LTV | XXXX |
| 900000637 | XXXX | XXXX | IN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been on same job for 9 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets are $212,453.39 or 36.27 months PITIRequired reserves are 3 months PITI at $5857.36x3= $17,572.08additional 2 months PITI for XXXX $2,405x2= $4,810for total required of $22,382.08<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 80% is below the maximum LTV per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 770 exceeds the minimum score. | XXXX |
| 900000638 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 765 exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $328,326 exceed guidelines requirement of $16,904. | XXXX |
| 900000643 | XXXX | XXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing proof of P&I payments with XXXX for primary residence (XXXX) and additional REO (XXXX) both recently refinanced. | 9.13.22: Lender response that the payments are not due until September, verified via Note for each property. Per the settlement statements in file these refinances closed XX/XXXX taxes and insurance verified but the Note was not provided for either property. Provide verification of the Note amount for each REO or verification of PITI $11,183.60 for XXXX and $7,973.54 for XXXX.9.16.22: Lender provided the Note for REO's on XXXX and XXXX confirming the PI payment. | 9.13.22: Exception remains.9.16.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower mid score of 715 exceeds min score requirement of 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrower has good mortgage history 30 x 0 x 27 mos. | XXXX |
| 900000643 | XXXX | XXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Terms/Guidelines | Active C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Exception for aggregate total of financed with XXXX over $3mil. Borrower has a current aggregate total of financed properties with XXXX of $XXXX. Adding this loan will be $XXXX. Lender Exception approval provided. | 9.16.22: Based on compensating factors of high credit score 715, excellent mortgage history and 12 years in same profession, exception considered as non-material. | 9.16.22: Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower mid score of 715 exceeds min score requirement of 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrower has good mortgage history 30 x 0 x 27 mos. | XXXX |
| Removed from deal | XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Missing seller CD. | 8/XX/2022: Client provided the seller CD. | 8/XX/2022: Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: $529,952.44 or 70.88 months PITI.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 25 years at current residence. | XXXX |
| 900000646 | XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 70%; max allowed per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 793 qualifying score. Min required per guidelines is 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $830,706.81 or 205.41 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000647 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score is 814 of the required 720.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 68.24% LTV below guideline requirement of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $579,312.99 or 223.97 months PITI reserves. | XXXX |
| 900000648 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC reflects LE 5/XX/22 was issued. Missing LE dated 5/XX/22. | 7.11.22 Client provided LE dated 5/XX/22. | 7.11.22 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 71% VS 75%<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: 5.2 YRS VS 2 YRS<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 707 VS 680 | XXXX |
| 900000651 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Active C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | File is missing exception approval for 1.1682 DCR, guidelines show 1.25%. | 8.4.22: Lender response the SLE was provided. Upon further review lender exception request in file to waive first time investor requirement of 1.25% DSCR. Considered as non-material. Though XXXX made an exception to override their guidelines that does not make the exception for violating guidelines go away. XXXX will acknowledge exception approval and will determine if said violation is an material or non-material exception based on the overall review of the loan file. This exception has been deemed non-material and this is XXXX final grade B. | 8.4.22: Exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Significant time at current residence 18 years 6 months. | XXXX |
| 900000651 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Current title vesting does not agree with mortgage and contains non borrowing spouse. Provide updated title with corrected vesting or copy of quit claim deed removing XXXX from title | 8.4.22: Lender provided the title commitment listing only B1 as vested to property. | 8.4.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Significant time at current residence 18 years 6 months. | XXXX |
| 900000653 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score is 792 of the required 720.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 65% LTV is below guideline requirements of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $20,842.55 or 5.60 months PITI reserves.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: 28.66% DTI below guideline requirement of 45%. | XXXX |
| 900000660 | XXXX | XXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 791; Program min- 660<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV- 75%; Program max- 85%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrowers have only made use of 0.82% of an available $XXXX open credit line<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 35.03%; Program max- 50% | XXXX |
| 900000660 | XXXX | XXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 791; Program min- 660<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV- 75%; Program max- 85%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrowers have only made use of 0.82% of an available $31,050.00 open credit line<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 35.03%; Program max- 50% | XXXX |
| 900000662 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Two COCs found in file but corresponding disclosures are missing in file. COC dated 7/XX/22 and COC dated 7/XX/22. Please provide corresponding disclosures. | 9/XX/2022: Client provided LE 7/XX/2022 however the LE associated with COC 7/27 was not provided. Exception remains.9/XX/2022: Client provided LE 8/XX/2022. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 18 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets are $30,890.08 or 5.57 months PITIRequired reserves are 3 months PITI at $5546.21x3= $16,638.63<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is > 10 points above guideline maximum of 720 | XXXX |
| Removed from deal | XXXX | XXXX | OH | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Terms/Guidelines | Active C B | CRDTER3262 | Property issues indicated | No | Property type is a XXXX | 7.19.22: Lender response - Is loan ineligible for purchase due to property being a XXXX? If not, what documentation is required to clear this condition?XXXX reply that per guidelines log home is an ineligible property. | 7.19.22: Exception remains.7.22.22- After further review by senior U/W, exception down graded to non-material. Property is located in an rural area and subject home is typical to the area. Borrower has sufficient reserves of $83,231.91=52.68 months and high fico score of 742 | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has overall good credit history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrower has 59 month mortgage history with no late payments<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified reserves of $83,231.91=52.68 months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: FICO score of 742 is 22 points higher than 720 min req. | XXXX |
| Removed from deal | XXXX | XXXX | OH | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | The file is missing an updated valuation to support the appraised value. CDA in file not for subject property | 7.18.22: Lender provided the CDA that supports the appraised value. | 7.18.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has overall good credit history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrower has 59 month mortgage history with no late payments<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified reserves of $83,231.91=52.68 months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: FICO score of 742 is 22 points higher than 720 min req. | XXXX |
| 900000670 | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers' credit score 732 exceeds the required score of 680<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 7 years at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: B1 & B2 have been in profession for 17 years & 12 years respectively. | XXXX |
| 900000674 | XXXX | XXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance increase between LE 6/23 and LE 6/24 by $150. The Appraisal fee increased but COC doc in file does not give a valid reason. | 8/XX/2022: Client provided pdf was damaged and could not be opened. Please resend. 8/XX/2022: Client provided COC for appraisal increase. Appraisal increase reason stated as "due to request for turn time." Please provide documentation if it was at borrower's request. Exception remains.8/XX/2022: Client provided PCCD 8/XX/2022, refund check for $150, LOE to borrower and proof of delivery. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has resided in current rental residence for 10 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 805 qualifying score. Min required per guidelines is 680.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage payment history is for 126 months when 12 months are required.<br>CFCFS1745: Significant total monthly debt reduction<br> - XXXX Comments: Verified cash reserves $528,946.88 or 203.17 months PITIA, guidelines required .3 months PITIA. | XXXX |
| 900000675 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | Lender approved exception for use of 12 month average of XXXX rental income in place of leases. Subject is used as seasonal rental units. Consider as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative credit score is 701, minimum allowed is 680.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: Borrower tradelines exceeds the 24 month requirement and $5,000 high credit limit. | XXXX |
| 900000676 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing evidence of Walls in Coverage for subject property. Only Master Policy provided which does not reflects Walls in coverage. Premium not to exceed $832.80. | 9.16.22: Lender provided the borrowers Walls In insurance coverage for subject property. | 9.16.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 806 exceeds min score requirement of 680.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 69.32% is below max LTV of 80%. | XXXX |
| 900000680 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 16 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed in same line of work for over 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Borrower LTV of 69.98% is below the maximum LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves is $252,740.62 | XXXX |
| 900000680 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 16 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed in same line of work for over 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Borrower LTV of 69.98% is below the maximum LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves is $252,740.62 | XXXX |
| 900000680 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | File is missing an initial CD. Per Change of Circumstance Detail form there were CDs re-disclosed & delivered on XX/XX & XX/XX/XXXX. These CDs are missing from the file. Complete CDs required for final testing, Additional conditions may apply. | 9/XX/2022: Client provided initial CD XX/XX/XXXX and disclosure tracking confirming same day delivery. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 16 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed in same line of work for over 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Borrower LTV of 69.98% is below the maximum LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves is $252,740.62 | XXXX |
| 900000680 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | File is missing an initial CD. Per Change of Circumstance Detail form there were CDs re-disclosed & delivered on XX/XX & XX/XX/XXXX. These CDs are missing from the file. Complete CDs required for final testing, Additional conditions may apply. | 9/XX/2022: Client provided initial CD XX/XX/XXXX and disclosure tracking confirming same day delivery. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 16 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed in same line of work for over 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Borrower LTV of 69.98% is below the maximum LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves is $252,740.62 | XXXX |
| 900000680 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Subject property dwelling coverage was $XXXX. Min required coverage is $XXXX unless RCE can be provided to confirm sufficient coverage. | 9.9.22: Lender provided the appraisal estimated cost new of $XXXX from appraisal dated 8/XX/22. The file required and provided two appraisals, the additional appraisal dated 8/XX/22 listed the estimated cost new of $XXXX. Provide the RCE to confirm sufficient coverage.9.15.22: Lender provided the Replacement Cost Estimate $619,576 sufficient coverage verified. | 9.9.22: Exception remains.9.15.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 16 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed in same line of work for over 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Borrower LTV of 69.98% is below the maximum LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves is $252,740.62 | XXXX |
| 900000680 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing proof of insurance coverage from closing date. Insurance effective date 8/XX/2022. Loan closed XX/XX/XXXX with a disbursement date of XX/XX/XXXX per PCCD. | 9.9.22: Lender provided the HOI policy with effective dates 8/XX/22-8/XX/23, matches the loan disbursement date. | 9.9.22: Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 16 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed in same line of work for over 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Borrower LTV of 69.98% is below the maximum LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves is $252,740.62 | XXXX |
| 900000681 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have lived 20 years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 5+ years at current job<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrowers have only made use of 2.92% of an available $140,630.00 open credit line<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets:$42,143.12 Reserve requirement: $29,801.34. | XXXX |
| 900000682 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves $80,911.97 or 20 months PITI. 6 months for subject and 2 months for Primary REO<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrower has 41 months of 0x30 on current mortgage | XXXX |
| 900000685 | XXXX | XXXX | IN | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER4643 | Borrower does not meet guideline requirements | No | Lender exception for loan amount $XX that is below the minimum requirement of $100,000. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has good credit history with minimal credit usage.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 797 exceeds min score requirement. | XXXX |
| 900000689 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXXX Comments: 4 years SE<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Borrower's DTI is 10.13/13.97, | XXXX |
| 900000690 | XXXX | XXXX | VT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 732 mid score | XXXX |
| 900000691 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COCs in file reflect CDs were provided to borrower on XX/XX and XX/XX however, those CDs are missing from file. | 7/XX/2022: Client provided CDs XX/XX and XX/XX. | 7/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 78.91%; max allowed per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 785 qualifying score. Min required per guidelines is 680<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: The borrower has been a mechanic for 15 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $54,189.17 or 14.19 months PITIA, guidelines required 3 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 42.79%, max per guidelines is 50%. | XXXX |
| 900000691 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero percent tolerance increase of $558.63 between LE 6/XX/2022 and CD XX/XX/XXXX. The Origination fee increased and the 2nd Appraisal fee was added without valid documentation. The Lender Credit of $8.63 on final CD is not sufficient. | 7/XX/2022: Client provided a detailed COC for addition of 2nd appraisal. | 7/XX/2022: Exception satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 78.91%; max allowed per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 785 qualifying score. Min required per guidelines is 680<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: The borrower has been a mechanic for 15 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $54,189.17 or 14.19 months PITIA, guidelines required 3 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 42.79%, max per guidelines is 50%. | XXXX |
| 900000691 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated Valuation | 7.28.22- Lender provided same appraisal dated XX/XX for $XXXX, Provide updated valuation supporting this appraisal value.. Exception remains. 8.1.22: Lender provided a second full appraisal XX/XX/XXXX $XXXX that support the original appraisal. | 8.1.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 78.91%; max allowed per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 785 qualifying score. Min required per guidelines is 680<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: The borrower has been a mechanic for 15 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $54,189.17 or 14.19 months PITIA, guidelines required 3 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 42.79%, max per guidelines is 50%. | XXXX |
| 900000695 | XXXX | XXXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers mid score 766 exceeds min requirement of 680.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrowers have a good credit history. No lates in the previous 24 mos. | XXXX |
| 900000696 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 29.70% max per guidelines is 50%.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 16 years and 10 months at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: 6 years 3 months in current profession. | XXXX |
| 900000698 | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | TRID - Seller CD not in file; need in order to complete fee entry | 8/XX/2022: Client provided the seller CD. | 8/XX/2022: Exception satisfied. | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self-employed with XXXX for 25 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 731 qualifying score. Min required per guidelines is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $73,311.49 or 28.87 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000700 | XXXX | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: The borrower has owned XXXX for 10 years<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 9.57%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $642,470.52 or 106.05 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000700 | XXXX | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Insurance | Active B | CRDINSR3028 | Flood Certificate has incorrect or incomplete data | No | Flood certificate has incorrect address listed. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: The borrower has owned XXXX for 10 years<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 9.57%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $642,470.52 or 106.05 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000701 | XXXX | XXXX | MI | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title is vested in XX Trust/Mortgage is vested in XX, Husband and Wife. | 8.2.22: Lender provided a corrected mortgage and CD showing vesting in B1 name only. | 8.2.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrowers have over 15 years in current job.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has lived in current residence over 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative credit score is 782, minimum allowed is 720. | XXXX |
| 900000704 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Per closing disclosure, cash to borrower, in the amount of $XXXX, exceeds the maximum amount of cash to borrower of $1,000,000. Lender requested an exception. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 787 exceeds minimum credit score of 720, 57 points.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV if 28.9757 is 41.0243% below maximum LTV of 70%.<br>CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: 69 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified Assets $59,139,735.22/3222.40 months reserves. 17 months reserves required, 9 months for subject and 2 months each for 4 additional properties. | XXXX |
| 900000707 | XXXX | XXXX | OR | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Income/Employment | Active D B | CRDINC3204 | Income Documentation Missing | No | Current DSCR is 1.083 required DSCR 1.25 lender approved exception located in file | (No Data) | 6.30.2022- After further review by senior UW, exception downgraded to non-material. Low LTV of 65% and sufficient reserves $397,797.07 or 83.19 month | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 65% LTV below guideline requirement of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 768 exceeds guideline requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $397,797.07 or 71.26 months PITI reserves. | XXXX |
| 900000709 | XXXX | XXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying credit score of 705 exceeds guidelines.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been on current residence for 28 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXXX Comments: Co-Borrower has been on current residence for 18 years. | XXXX |
| 900000712 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC in file reflects an LE was provided on 5/XX/2022 however, that LE is missing from file. | 6/XX/2022: Client provided LE 5/XX/2022. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 21+ years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 774; Program min- 720<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: B1 has only made use of 28.43% of an available $32,250.00 open credit line<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 33.05%; Program max- 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets: $79,853.05 Reserve requirement: $12,746.00 | XXXX |
| 900000712 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 percent tolerance increase of $125 for increase in the Appraisal fee without a valid COC stating reason for increase. | 6/XX/2022: Client provided COC and LE 5/XX/2022. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 21+ years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 774; Program min- 720<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: B1 has only made use of 28.43% of an available $XXXX open credit line<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 33.05%; Program max- 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets: $79,853.05 Reserve requirement: $12,746.00 | XXXX |
| 900000712 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Income/Employment | Active D B | CRDINC3204 | Income Documentation Missing | No | Missing 2 years 1065 Returns, 2 years 1040 Returns, 1040 Transcripts, Profit and Loss Statement and Balance Sheet for four businesses, and 2021 W2 transcripts. There is lender's approval in file for exception. Borrower qualifies with W2 income alone and per guidelines only requires W2 transcripts | 6.29.22: Lender provided the 2020 W2 transcripts and K1 transcripts previously in file.Though XXXX made an exception to override their guidelines that does not make the exception for violating guidelines go away. XXXX will acknowledge exception approval and will determine if said violation is a material or non-material exception based on the overall review of the loan file. This exception has been deemed non-material and this is XXXX final grade B. | 6.29.22: Exception remains. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 21+ years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 774; Program min- 720<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: B1 has only made use of 28.43% of an available $XXXX open credit line<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 33.05%; Program max- 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets: $79,853.05 Reserve requirement: $12,746.00 | XXXX |
| 900000713 | XXXX | XXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 737 mid score | XXXX |
| 900000715 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has 18 + years in current business<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified reserves $177,779,30 exceed required reserves of $75,171.06 | XXXX |
| 900000718 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XX/XX/XXXX. | 9/XX/2022: Client provided initial CD XX/XX/XXXX and disclosure tracking confirming same day delivery. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 10.61% is below the maximum DTI.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 720 exceeds guideline minimum score.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in the same profession for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has 13.36 months reserves, 3 months required.. | XXXX |
| 900000720 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per the COCs in file missing LE 04/XX/22, 5/XX/22, LE 05/XX/22-1 and LE 05/XX/22-2 | 6/XX/2022: Client provided missing LEs. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 41.13%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 764 qualifying score. Min required per guidelines is 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $300,295 exceed guidelines $58,125 | XXXX |
| 900000721 | XXXX | XXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 3 years and 7 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 747 qualifying score. Min required per guidelines is 680. | XXXX |
| 900000724 | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Seller CD reflects additional closing costs in Section H that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 80% is below max LTV of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 788 exceeds min score requirement of 740.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 17 years. | XXXX |
| 900000725 | XXXX | XXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | Right of Rescission | Active B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXXXs view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXXX grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 726 qualifying score. Min required per guidelines is 680.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 61.86%; max allowed per guidelines is 80<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 9.46%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $$100,578.30 or 10.97 months PITIA, guidelines required 6 months PITIA. | XXXX |
| 900000726 | XXXX | XXXX | IN | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | LTV/CLTV | Active C B | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | Max LTV per guidelines is 75%. Loan reflects LTV of 76.16%. Missing exception approval from file. | 9.13.22: Lender provided the appraisal XX/XX/XXXX for $XXXX completed prior to revised appraisal/comps for $XXXX. LTV 76.16% exceeds the maximum allowed for no cash out refinance 2 unit XXXX program of 75%.9.14.22: Lender rebuttal that LTV allowed to 80% with FICO 690.XXXX reply - Subject is a Two Unit property, per Guidelines for Smart Vest no cash out refinance the Maximum LTV on a Two Unit property is 75%.9.16.22: Lender provided exception approval for LTV up to 80% when max allowed is 75.0%. Considered as non-material based on good credit score 690 and rate reduction of 1.375%. | 9.13.22: Exception remains.9.14.22: Exception remains.9.16.22: Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 690 exceeds min required 660 | XXXX |
| 900000726 | XXXX | XXXX | IN | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Terms/Guidelines | Active C B | CRDTER4631 | Loan parameters do not meet guidelines | No | Note reflects loan amount of $xx. Per guidelines Minimum loan amount $100,000. Missing loan Exception approval. | 9.13.22: Lender provided the SLE request for exception of loan amount < $100,000. Considered as non-material based on good credit score 690 and rate reduction of 1.375%. | 9.13.22: Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 690 exceeds min required 660 | XXXX |
| 900000726 | XXXX | XXXX | IN | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR4775 | Missing Market Rent Analysis | No | Missing Form 1007/1000 to support monthly rent used for review. | 9.13.22: Lender provided the appraisal 8/XX/22 for $XXXX completed prior to revised appraisal/comps for $XXXX. Still missing the Form 1007/1000 to support monthly rent used for review.9.14.22: Lender provided the opinion of market rent that supports the leases used to calculate DSCR. | 9.13.22: Exception remains.9.14.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 690 exceeds min required 660 | XXXX |
| 900000733 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH104 | Credit score below guidelines | No | Lender exception for FICO score 672 that is below the minimum required of 680. Low LTV 47.30% and residual income of $7,704.19, considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 47.3% is lower than max LTV of 60%.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 15 years. | XXXX |
| 900000733 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | DTI | Active B | CRDDTI187 | Debt Ratio > 50% | No | Lender exception for DTI > 50% due to using full PITIA of subject property without benefit of rental income. Low LTV 47.30% and residual income of $7,704.19, considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 47.3% is lower than max LTV of 60%.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 15 years. | XXXX |
| 900000733 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing the 2020/2021 W2 transcripts as required per XXXX guidelines. | 8.16.22: Lender provided the 2020/2021 W2 wage transcripts. | 8.16.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 47.3% is lower than max LTV of 60%.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 15 years. | XXXX |
| 900000733 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Subject title in name of XXXX, a single man and XXXX, a single woman does not match XXXX vesting as XXXX, an unmarried woman. Second owner of subject property was not listed on the mortgage. | 8.16.22: Lender provided the recorded Quit-Claim Deed conveying property to borrower. | 8.16.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 47.3% is lower than max LTV of 60%.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 15 years. | XXXX |
| 900000733 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Appraisal was subject to inspection of 2 bedrooms. Per appraiser Tenant did not allow to be inspected. | 8.16.22: Lender provided the appraisal update of inspection of the two additional bedrooms. | 8.16.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 47.3% is lower than max LTV of 60%.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 15 years. | XXXX |
| 900000738 | XXXX | XXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: credit score of 780 exceed guide of 720<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: DTI of 44.08 below guide of 75 | XXXX |
| 900000740 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 75% is below max LTV of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower mid score of 791 exceeds min score requirement of 680. | XXXX |
| 900000740 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 $100 due to Appraisal increase on LE 7/XX/22. File contains a COC in file however does not give a valid reason to support it. Condition is pending receiving a valid Change of Circumstances or PCCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 8/XX/2022: Client provided a valid COC for increase in appraisal fee. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 75% is below max LTV of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower mid score of 791 exceeds min score requirement of 680. | XXXX |
| 900000740 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Terms/Guidelines | Active B | CRDTER4643 | Borrower does not meet guideline requirements | No | Lender exception due to borrowers personal bank account and funds must be sourced and seasoned for a minimum of six months. Not all were seasoned. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 75% is below max LTV of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower mid score of 791 exceeds min score requirement of 680. | XXXX |
| 900000741 | XXXX | XXXX | MD | (No Data) | ATR/QM: Exempt B | B | B A | B | B | Compliance | Documentation | Active B | CMPDOC2506 | Legal docs are signed in name of corporation, partnership or LLC | No | Legal docs are signed in name of corporation, partnership or LLC. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying FICO of 766 is 46 points above the 720 FICO required for the program.<br>CFCFS2860: Good credit history<br> - XXXX Comments: 0 x 30 for the past 24 months on all accounts.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves of 58 months PITIA is 43 months greater than the 15 months reserves required for the program. | XXXX |
| 900000743 | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 percent tolerance of $150.00 due to Appraisal fee increased on 05/XX/2022 with no valid reason in file. Provide PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking information within 60 days of discovery. | 6/XX/2022: Client provided the 5/10 COC with detail for increase in appraisal fee. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in the same profession for 17 years..<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 762 exceed guidelines of 740 | XXXX |
| 900000744 | XXXX | XXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Total verified assets $145475.36. CTC $87481.12 leaving reserves of $57994.24 or 8.39 mos. Program requires 3 mos reserves<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 16.33% well below max guidelines. | XXXX |
| 900000744 | XXXX | XXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower does not meet minimum tradeline requirement. Lender provided exception approval in file for review. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Total verified assets $145475.36. CTC $87481.12 leaving reserves of $57994.24 or 8.39 mos. Program requires 3 mos reserves<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 16.33% well below max guidelines. | XXXX |
| 900000745 | XXXX | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has overall good credit history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage history with no late payments | XXXX |
| 900000746 | XXXX | XXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 18 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 768 exceeds guideline minimum score. | XXXX |
| 900000747 | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $30,209 exceed guidelines of $18,700. | XXXX |
| 900000752 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 6 years.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: The borrower has been in the XXXX industry for 10 years and 5 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $162,297.24 or 16.57 months PITIA, guidelines required 6 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 34.16%, max per guidelines is 50%. | XXXX |
| 900000753 | XXXX | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 5+ years at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV- 65%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 779; Program max- 660<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrowers have only made use of 1.54% of an available $XXXX open credit line<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets: $21,519.67 Reserve requirement: 13,950.00 | XXXX |
| 900000756 | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 12.49% is below the maximum DTI.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: 15 years and 8 months in current profession.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 56.52% is below the maximum LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 780 exceeds the minimum score. | XXXX |
| 900000758 | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Need List of homeowners counseling organizations | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 4 years and 1 month at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 776 qualifying score. Min required per guidelines is 740. | XXXX |
| 900000758 | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 4 years and 1 month at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 776 qualifying score. Min required per guidelines is 740. | XXXX |
| 900000760 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 63.85% LTV below guideline requirement of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $78,897.98 or 25.95 months PITI reserves.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has 15.10 years at current residence. | XXXX |
| 900000762 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves $101,815.09Required $14,977.68 | XXXX |
| 900000763 | XXXX | XXXX | LA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Bor mid credit score of 788 exceeds min required score of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified assets: $68803.84 CTC $22602.63. leaving reserves of $46201.21Guidelines require 6 mos reserves for subject and 2 for each additional properties financed. Total 8 mos required. $1209.95 x = $9679.20 | XXXX |
| 900000767 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is > 10 points above guideline maximum of 740<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets are $88,964.50 or 29.73 months PITIRequired reserves are 3 months PITI at $3, 0741.36x3= $9,214.08<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV > 10 points below guideline maximum of 90% | XXXX |
| 900000769 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC's reflect LE's 6/XX/22, 6/XX/22, LE 6/XX/22, and CD XX/XX/XXXX were issued. Missing LE's 6/XX/22, 6/XX/22, LE 6/XX/22, and CD XX/XX/XXXX. | 8/XX/2022: Client provided missing LEs | 8/XX/2022:Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: The borrower has owned XXXX for 21 years<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 53.85%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 746 qualifying score. Min required per guidelines is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $26,895.46 or 5.20 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000769 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Due to missing CD XX/XX/XXXX | 8/XX/2022: Client provided initial CD XX/XX and CD XX/XX | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: The borrower has owned XXXX for 21 years<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 53.85%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 746 qualifying score. Min required per guidelines is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $26,895.46 or 5.20 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000769 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Due to missing CD XX/XX/XXXX | 8/XX/2022: Client provided initial CD XX/XX and CD XX/XX. | 8/XX/2022: Exception satisfied but exception XX triggered as a result of entering CDs. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: The borrower has owned XXXX for 21 years<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 53.85%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 746 qualifying score. Min required per guidelines is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $26,895.46 or 5.20 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000769 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | The APR on CD XX/XX/XXXX is 5.014% and increased to 5.372% on final CD XX/XX/XXXX. Increase of 0.358% is over the allowable tolerance of 0.125% for a fixed rate loan. a redisclosed CD should have been provided at least three days prior to closing date of XX/XX | 8/XX/2022: Lender stated CD XX/XX/XXXX was not provided to borrower. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: The borrower has owned XXXX for 21 years<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 53.85%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 746 qualifying score. Min required per guidelines is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $26,895.46 or 5.20 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000770 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | CD XX/XX/XXXX signed on closing date is only CD in file. | 9/XX/2022: Client stated "Please advise, as per the attached audit history I do not show that there was ever a product change that occurred on this file as it only shows the XXXX 30 Year Fixed product." The product feature was not disclosed because the only CD in file is the final CD signed on XX/XX. Exception remains.9/XX/2022: Client provided initial CD XX/XX/XXX. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 712 exceeds minimum score per guidelines.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has only a .58% use of credit usage ratio.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves is $82,058.01 | XXXX |
| 900000770 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XX/XX/XXXX signed on closing date is only CD in file. | 9/XX/2022: Client provided initial CD XX/XX/XXXX | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 712 exceeds minimum score per guidelines.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has only a .58% use of credit usage ratio.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves is $82,058.01 | XXXX |
| 900000770 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 percent tolerance increase between LE 7/21 and LE 7/27 by $250. Appraisal fee increased without valid reason. | 9/XX/2022: Client provided COC for appraisal increase. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 712 exceeds minimum score per guidelines.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has only a .58% use of credit usage ratio.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves is $82,058.01 | XXXX |
| 900000770 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Terms/Guidelines | Active B | CRDTER3122 | Loan documents do not meet guideline requirements | No | FTHB living rent free with no housing history. Lender Exception approval provided. | 9.16.22: Lender response - Please verify whether SLE will suffice to consider condition as non-material. XXXX reply the condition has already been graded as non-material. Though XXXX made an exception to override their guidelines that does not make the exception for violating guidelines go away. XXXX will acknowledge exception approval and will determine if said violation is a material or non-material exception based on the overall review of the loan file. This exception has been deemed non-material and this is XXXX final grade B. | 9.16.22: Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 712 exceeds minimum score per guidelines.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has only a .58% use of credit usage ratio.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves is $82,058.01 | XXXX |
| 900000772 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC in file for 7/XX/22 and 8/XX/22, missing corresponding CD or LE. | 9/XX/2022: Client provided LE 7/25 and CD 8/18. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: B1 has 0x30 credit history since 9/2000.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has been self employed at current job for 5 years. | XXXX |
| 900000772 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Missing Seller CD. | 9/XX/2022: Client provided the seller CD. | 9/XX/2022: Exception satisfied. | Not Applicable | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: B1 has 0x30 credit history since 9/2000.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has been self employed at current job for 5 years. | XXXX |
| 900000772 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide a legible copy of pages 4, 5 & 6 of the appraisal. | 9.14.22: Lender provided the complete legible appraisal for the subject property. | 9.14.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: B1 has 0x30 credit history since 9/2000.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has been self employed at current job for 5 years. | XXXX |
| 900000785 | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing HUD-1 or CD from sale of departure residence on XXXX confirming net proceeds of $XXXX as listed on the final 1003. | 8.29.22: Lender provided the final settlement and CD confirming net proceeds from sale of REO on XXXX of $XXXX | 8.29.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 64.62% is below max guideline of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $70,873 exceed guidelines $9,858. | XXXX |
| 900000787 | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 37.40% max per guidelines is 50%<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 8 years at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: 5 years at current profession. | XXXX |
| 900000788 | XXXX | XXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 705 min per guidelines is 680.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 23 years at current residence. | XXXX |
| 900000792 | XXXX | XXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 746 exceeds minimum of 680<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 67.56 is less than max of 80% | XXXX |
| 900000793 | XXXX | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $155,948.21 or 20.56 months PITIA, guidelines required 3 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 31%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 718 qualifying score. Min required per guidelines is 680<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 78.04%; max allowed per guidelines is 85%. | XXXX |
| 900000793 | XXXX | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $155,948.21 or 20.56 months PITIA, guidelines required 3 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 31%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 718 qualifying score. Min required per guidelines is 680<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 78.04%; max allowed per guidelines is 85%. | XXXX |
| 900000793 | XXXX | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Missing seller CD. | 8/XX/2022: Client provided Seller CD. As a result, exceptions XX and XX were generated. | 8/XX/2022: Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $155,948.21 or 20.56 months PITIA, guidelines required 3 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 31%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 718 qualifying score. Min required per guidelines is 680<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 78.04%; max allowed per guidelines is 85%. | XXXX |
| 900000793 | XXXX | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Per final CD disbursement date 07/XX/2022 HOI effective date 07/XX/22 | 8.2.22: Lender provided the corrected HOI policy from USAA showing effective date 7/XX/22-7/XX/23. | 8.2.22: Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $155,948.21 or 20.56 months PITIA, guidelines required 3 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 31%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 718 qualifying score. Min required per guidelines is 680<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 78.04%; max allowed per guidelines is 85%. | XXXX |
| 900000796 | XXXX | XXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC dated 8/XX/22 found in file but a corresponding disclosure is missing. Please provide. | 9/XX/2022: Client provided CD XX/XX/XXXX | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self employed for 20 years..<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 52.89% is below the maximum LTV. | XXXX |
| 900000796 | XXXX | XXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 9/XX/2022: Client provided the homeowners counseling organizations list. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self employed for 20 years..<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 52.89% is below the maximum LTV. | XXXX |
| 900000796 | XXXX | XXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 $350 as Appraisal fee increased from $550 to $900 on LE 8/XX/22. COC dated 8/XX/22 doesn't state a reason why fee was increased. 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. | 9/XX/2022: Client provided COC for increase in Appraisal fee. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self employed for 20 years..<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 52.89% is below the maximum LTV. | XXXX |
| 900000799 | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $175 due to added CDA fee without a valid COC in file. COC dated 7/XX/22 doesn't provided a reason why fee was requested. 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/XX/2022: Client provided PCCD 8/XX/2022, LOE to borrower, refund of $175 and proof of delivery. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 36 years and 6 months in current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: 12 years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 760 qualifying score. Min required per guidelines is 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Max LTV 85% File LTV 35.06% | XXXX |
| 900000805 | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXX Comments: The borrower has been in the XXXX industry for 3 years and 11 months<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 24.49%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 752 qualifying score. Min required per guidelines is 680. | XXXX |
| 900000808 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | A B | B | A | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Application date is 5/XX/22. Homeowners Counseling Organizations is dated 5/XX/22. | 7/XX/2022: Client provided Homeowners Counseling Organizations dated 5/XX/2022. | 7/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 5 years an 3 months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Max DTI 50% File DTI 28.20% | XXXX |
| 900000811 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Assets | Satisfied B A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Borrower only provided 1 month statement for HNB. | 7.5.22: Lender provided the 3/22-4/22 and 4/22-5/22 account statements from XXXX | 7.5.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 5 years and 2 months. | XXXX |
| 900000812 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been self employed for 11 years.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 6 years. | XXXX |
| 900000814 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been in same profession for 25 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $244,139 exceed guidelines of $40,326.06.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 75% is below guideline maximum of 85% | XXXX |
| 900000818 | XXXX | XXXX | LA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $150.00 due to Appraisal Desktop Review increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 7/XX/2022: Lender provided PCCD 6/XX/2022, LOE and refund to borrower. | 7/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV- 80%; Program max- 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 721; Program min- 680<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 48 months<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 36.18%; Program max- 50% | XXXX |
| 900000818 | XXXX | XXXX | LA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | Income/Employment | Active C B | CRDINC150 | Income docs do not meet guidelines | No | B1 is using Bank Statements with a non-borrower listed on it for income calculation. Lender's approved exception in file granted permission. | 6.28.22: Lender provided the exception request documentation previously in file.Though XXXX made an exception to override their guidelines that does not make the exception for violating guidelines go away. XXXX will acknowledge exception approval and will determine if said violation is a material or non-material exception based on the overall review of the loan file. This exception has been deemed non-material and this is XXXX final grade B. | 6.28.22: Exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV- 80%; Program max- 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 721; Program min- 680<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 48 months<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 36.18%; Program max- 50% | XXXX |
| 900000824 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Lender exception for the purchase investment property for first time home buyer. Consider as non-material. | 6.15.22: Lender provided the exception request previously in file. Though XXXX made an exception to override their guidelines that does not make the exception for violating guidelines go away. XXXX will acknowledge exception approval and will determine if said violation is a material or non-material exception based on the overall review of the loan file. This exception has been deemed non-material and this is XXXX final grade B. | 6.15.22: Exception remains. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has stable employment with 16 years at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $50,218.53 exceed guide lines of $4,223.64.. | XXXX |
| 900000826 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXX Comments: 22 years in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's credit score 704 exceeds the required score of 680. | XXXX |
| 900000828 | XXXX | XXXX | GA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Lender exception for B1 not meeting the minimum tradelines of 3 for 12 months. Consider this as non-material. | 6.15.22: Lender provided the exception request previously in file. Though XXXX made an exception to override their guidelines that does not make the exception for violating guidelines go away. XXXX will acknowledge exception approval and will determine if said violation is a material or non-material exception based on the overall review of the loan file. This exception has been deemed non-material and this is XXXX final grade B. | 6.15.22: Exception remains. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXXX Comments: Good credit history Revolving/Mortgage 0x30x60x99<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 704 exceeds guides of 680 | XXXX |
| 900000832 | XXXX | XXXX | NM | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative score is 771<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves 32,281 exceed guidelines of $20,361. | XXXX |
| 900000834 | XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing Title commitment | 9.9.22: Lender provided the title commitment. | 9.9.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower's Post close Assets are $336,764.84 or 29.48 months of PITIARequired PITIA Reserves are $11,422.04 x 9 = $102,798.36 | XXXX |
| 900000835 | XXXX | XXXX | UT | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | Lender exception for use of form 1007 for non subject investment property purchased concurrently with funds for subject delayed financing transaction. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 796 exceeds guidelines of 720<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: B1 has been in current profession for 20 years.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 5 YRS VS 2 YRS | XXXX |
| 900000837 | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying FICO of 722 is 62 points above the 660 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves of 17 months PITIA is 11 months greater than the 6 months reserves required. | XXXX |
| 900000838 | XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXX Comments: The borrower has been employed in the coffee distribution industry for 15 years and 11 months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 771 qualifying score. Min required per guidelines is 680. | XXXX |
| 900000840 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 10 years at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: B1 has been in profession for 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers' credit score 796 exceeds the required score of 680. | XXXX |
| 900000843 | XXXX | XXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 744; Program min- 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets: $61,045.00 Reserve requirement: 53,661.30 | XXXX |
| 900000847 | XXXX | XXXX | OR | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Property | Active B | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter | No | Legal Nonconforming w/out Rebuild Letter | 7.7.22: Lender response to please accept this rebuttal letter confirming XXXX is unable to provide the (document); The agencies themselves no longer require the rebuild letter. Still missing the appraiser statement that subject may be rebuilt if destroyed. | 7.7.22: Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 775 exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 53.44% is below guideline requirements | XXXX |
| 900000849 | XXXX | XXXX | MT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | A | A D B C | A | A | Credit | DTI | Active C B | CRDDTI187 | Debt Ratio > 50% | No | DTI of 54.21% is 4.21% greater than the 50% DTI allowed under the program. Consider as non-material. | 7.18.22: Lender provided the exception request document previously in file.Though XXXX made an exception to override their guidelines that does not make the exception for violating guidelines go away. XXXX will acknowledge exception approval and will determine if said violation is an material or non-material exception based on the overall review of the loan file. This exception has been deem non-material and this is XXXX final grade B. | 7.18.22: Exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves of 61 months PITIA is 50 months greater than the 11 months reserves required for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying FICO of 766 is 106 points above the 660 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 65% is 25% below the 90% allowed for the program. | XXXX |
| 900000849 | XXXX | XXXX | MT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | A | A D B C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR173 | Comp Photos Unacceptable | No | Appraisal is missing Comp Photos for Comps 1, 3, 4, and 6. | 7.19.22: Lender provided the appraisal with all comps present. | 7.19.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves of 61 months PITIA is 50 months greater than the 11 months reserves required for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying FICO of 766 is 106 points above the 660 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 65% is 25% below the 90% allowed for the program. | XXXX |
| 900000855 | XXXX | XXXX | WA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | the borrower is using funds to close from Refi on HELOC. Estimated HUD provided; Final HUD required | 8.29.22: Lender provided the final refinance statement from refinance HELOC account with net funds to borrower $XXXX. Sufficient funds verified. | 8.29.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 9 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 70%; max allowed per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 780 qualifying score. Min required per guidelines is 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $21,980.35 or 8.59 months PITIA, guidelines required 3 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 37.87%, max per guidelines is 50%. | XXXX |
| 900000860 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per COC 5/XX/22 in file, LE 5/XX/22 was issued but missing in file. COC 7/XX/22 in file, LE 7/XX/22 issued but missing in fileCOC 7/XX/22 in file, CD XX/XX/XXXX issued but missing in fileCOC 7/XX/22 in file, CD XX/XX/XXXX missing in file. | 8/XX/2022: Client provided missing LEs and CDs. | 8/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Borrower has a low LTV of 15.06%. Max guideline is 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower mid score of 751 exceeds min score of 680. | XXXX |
| 900000860 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance triggered due to several disclosures missing in file - separate exception triggered XX. Lender's credit of $441 was applied for increased Appraisal fee by $300 and Credit Report fee by $141. Condition is pending receiving all disclosure for further testing. Additional conditions may apply. | 8/XX/2022: Client provided missing LEs and CDs. Addition of CDA and increase of Administration fee on LE 5/18 does not have a valid COC in file. Amount due borrower is $401 with Letter of explanation, corrected Closing Disclosure and proof of delivery. Exception remains.8/XX/2022: Client provided their tolerance comparison screenshot and stated the $441 lender credit on CD is for the appraisal and credit report fee increase. We agree that the lender credit is for those fees but another $401 is due for the increase of the Administration and CDA fees on LE 5/18. The COC in file for that LE is not valid. Exception remains. 8/XX/2022: Client provided COC for increase in Administration and CDA fees. After review from Sr. Compliance, COC is valid. | 8/XX/2022: Exception satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Borrower has a low LTV of 15.06%. Max guideline is 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower mid score of 751 exceeds min score of 680. | XXXX |
| Removed from deal | XXXX | XXXX | OH | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Lender exception relating to guidelines require max CU score of 3.5%. CU score in file 4.0%. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $157,390 exceed guidelines $89,150.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower mid score of 760 exceeds min score requirement of 680. | XXXX |
| 900000863 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 75%; max allowed per guidelines is 90<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: The borrower has been a Web Developer for 15 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $73,492.68 or 16.63 months PITIA, guidelines required 3 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 39.94%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 757 qualifying score. Min required per guidelines is 680 | XXXX |
| 900000865 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 20 years 1 month | XXXX |
| 900000868 | XXXX | XXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | DTI | Active B | CRDDTI187 | Debt Ratio > 50% | No | Loan Exception Approval in file. Exception to allow maximum DTI of 55% vs. maximum allowable 50% | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 5 years.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrower has been a Doctor for 29 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 72.36% is below max LTV of 90%. | XXXX |
| 900000870 | XXXX | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXX Comments: 20 years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 686 qualifying score. Min required per guidelines is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets: Verified assets/reserves: $136,084.39 or 55.05 months PITIA. 6 months reserves required for subject. | XXXX |
| 900000872 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 746 mid score | XXXX |
| 900000874 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | A B | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | 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 exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage history for departing residence reports 29 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Total assets documented $247,843.51 (All Liquid). Funds required to close $139,494.49. Cash reserves $108,349.12. Reserves required $4,199.20\*3 mos.=$12,597.60. | XXXX |
| 900000874 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | A B | B | A | Credit | Credit/Mtg History | Active B | CRDCRMH104 | Credit score below guidelines | No | Representative credit score 644 below program requirement 660. Lender approved exception in file to allow credit score of 644. Terms of exception limit LTV/CLTV to 80.00% and requires $4,500.00 residual income. Consider as non-material. | 7.11.22: Lender provided the exception request documentation previously in file. Though XXXX made an exception to override their guidelines that does not make the exception for violating guidelines go away. XXXX will acknowledge exception approval and will determine if said violation is an material or non-material exception based on the overall review of the loan file. This exception has been deemed non-material and this is XXXX final grade B. | 7.11.22: Exception remains. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage history for departing residence reports 29 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Total assets documented $247,843.51 (All Liquid). Funds required to close $139,494.49. Cash reserves $108,349.12. Reserves required $4,199.20\*3 mos.=$12,597.60. | XXXX |
| 900000874 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | A B | B | A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | Lender exception in file to allow use of 1099 wage transcript in lieu of actual 1099. Terms of exception limit LTV/CLTV to 80.00%, reserves of $50,000 and no lates in last 24 mos. Consider as non-material. | 7.11.22: Lender provided the exception request documentation previously in file. Though XXXX made an exception to override their guidelines that does not make the exception for violating guidelines go away. XXXX will acknowledge exception approval and will determine if said violation is an material or non-material exception based on the overall review of the loan file. This exception has been deemed non-material and this is XXXX final grade B. | 7.11.22: Exception remains. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXXX Comments: Mortgage history for departing residence reports 29 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Total assets documented $247,843.51 (All Liquid). Funds required to close $139,494.49. Cash reserves $108,349.12. Reserves required $4,199.20\*3 mos.=$12,597.60. | XXXX |
| 900000878 | XXXX | XXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 33% is below max LTV of 75%<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 24 years. | XXXX |
| 900000879 | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 75% is less than maximum of 90% | XXXX |
| 900000880 | XXXX | XXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 777 exceeds guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: B1 has prior mortgage history paid as agreed since 10/2016. | XXXX |
| 900000884 | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH104 | Credit score below guidelines | No | 660 qualifying score. Min required per guidelines is 680. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 43.36%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $29,586.45 or 22.56 months PITIA, guidelines required 3 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided in current owner occupied residence for 8 years. | XXXX |
| 900000886 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in file; need in order to complete fee entry | 7/XX/2022: Client provided final settlement statement which includes the seller-paid fees. | 7/XX/2022: Exception satisfied. | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - XXXX Comments: The borrower has owned XXXX for 10 years and 10 months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 780 qualifying score. Min required per guidelines is<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 65%; max allowed per guidelines is 90%.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 20.19%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $26,329.85 or 4.96 months PITIA, guidelines required 3 months PITIA. | XXXX |
| 900000887 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC in file reflects an LE was provided to borrower on 6/1 and 5/31 but those LEs are missing from file. | 7/XX/2022: Client provided LE 5/31 and 6/1. | 7/XX/2022: Exception satisfied however, exception XX generated as a result. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 5+ years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 756; Program min- 720<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: B1 has only made use of 22.27% of an available $XXXX credit line<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 23.91%; Program max- 30%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets: $375,838.29 Reserve requirement: $250,500.00 | XXXX |
| 900000887 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | LE's 5/XX/22 and 6/XX/22 are not signed and there is no evidence in file to determine when they were delivered to borrower. | 7.12.22 Client provided disclosure tracking. | 7.12.22 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 5+ years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 756; Program min- 720<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: B1 has only made use of 22.27% of an available $XXXX credit line<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 23.91%; Program max- 30%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets: $375,838.29 Reserve requirement: $250,500.00 | XXXX |
| 900000887 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 percent tolerance increase of $4800.80. The Appraisal fee increased from $XXXX to $XXXX without valid reason and the Transfer Taxes aggregate increased from $12980 on LE to $17180.80 on CD. $XXXX due to borrower, Letter of explanation, corrected Closing Disclosure, copy of refund, proof of delivery within 60 days of consummation. | 7.5.22 Client provided COC's. 2nd Appraisal was added on CD XX/XX/XXXX and Taxes increased from LE 6/XX/22 $12,980 to CD XX/XX/XXXX 17,700. Exception remains. 7.12.22 Client provided COC. Error has been corrected. | 7.12.22 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 5+ years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 756; Program min- 720<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: B1 has only made use of 22.27% of an available $XXXX credit line<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 23.91%; Program max- 30%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets: $375,838.29 Reserve requirement: $250,500.00 | XXXX |
| 900000887 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Credit | LTV/CLTV | Active C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 85% exceeds guideline maximum allowable LTV of 80% due to 2 Appraisal required and using lower appraised value. There is a lender approval in file for this exception. subject to B1 having attached compensating factors | (No Data) | 6.30.2022- After further review by senior u/w, exception downgraded to non material- Borrower has low DTI at 23.91%, 22.51 months PITIA in reserves or $375,838.29 | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 5+ years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 756; Program min- 720<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: B1 has only made use of 22.27% of an available $XXXX credit line<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 23.91%; Program max- 30%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets: $375,838.29 Reserve requirement: $250,500.00 | XXXX |
| 900000893 | XXXX | XXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: $44,308.96 Verified cash reserves exceed guidelines of $15,735.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score is 787 of the required 720.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has good credit history.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has 30.2 years at current residence. | XXXX |
| 900000894 | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Final CD XX/XX/XXXX is only CD in file. Product not disclosed at least three days prior to closing date of XX/XX/XXXX | 6/XX/2022: Client provided initial CD 6/XX/2022 e-signed by borrower which confirms delivery at least three days prior to closing. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 10+ years at current job<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: B1 has only made use of 8.03% of an available $XXXXn available open credit line<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 36.53%; Program max- 50% | XXXX |
| 900000894 | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XX/XX/XXXX is only CD in file. Provide initial CD given to borrower at least three days prior to closing date of XX/XX/XXXX | 6/XX/2022: Client provided initial CD XX/XX/XXXX e-signed by borrower which confirms delivery at least three days prior to closing. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 10+ years at current job<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: B1 has only made use of 8.03% of an available $XXXX in available open credit line<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 36.53%; Program max- 50% | XXXX |
| 900000894 | XXXX | XXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Assets | Active C B | CRDAST115 | Cash reserves do not meet guidelines | No | B1 does not meet minimum reserve requirement using 75% of business funds as permitted by guideline. Exception in file requests for borrower to use 90% of business fund and it was approved. Considered as non-material. | 6.30.22: Lender provided the exception request document previously in file.Though XXXX made an exception to override their guidelines that does not make the exception for violating guidelines go away. XXXX will acknowledge exception approval and will determine if said violation is a material or non-material exception based on the overall review of the loan file. This exception has been deemed non-material and this is XXXX final grade B. | 6.30.22: Exception remains. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 10+ years at current job<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: B1 has only made use of 8.03% of an available $XXXX in available open credit line<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 36.53%; Program max- 50% | XXXX |
| 900000895 | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 percent tolerance increase between LE 4/XX/2022 and LE 5/XX/2022 by $295. The Appraisal fee increased without valid documentation in file. COC in file only states the new appraisal fee but does not state the reason for the increase. | 6/XX/2022: Client provided detailed COC for increase in appraisal fee. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Max DTI 50% borrower has 24.44%<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrowers SE since 2013 | XXXX |
| 900000895 | XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing documentation that gift of $15791 was sent to Title | 6.17.22: Lender provided the gift letter which states gift transferred directly to escrow. | 6.17.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Max DTI 50% borrower has 24.44%<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrowers SE since 2013 | XXXX |
| 900000900 | XXXX | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 781 qualifying score. Min required per guidelines is 680.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 11 year and 7 months at current residence. | XXXX |
| 900000901 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC reflects LE 5/XX/22 was issued. Missing LE dated 5/XX/22. | 7.11.22 Client provided LE dated 5/XX/22. | 7.11.22 Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXXX Comments: Credit usage is minimal at 7%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's credit score 809 exceeds the required score of 680<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 25 years at current residence. | XXXX |
| 900000902 | XXXX | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 727 qualifying score. Min required per guidelines is 680<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 78.43%; max allowed per guidelines is 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $209,901.03 or 59.59 months PITIA, guidelines required 3 months PITIA. | XXXX |
| Removed from deal | XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | LOE found in file dated 5/27 indicating post CD was issued but disclosure is missing in file. | 6/XX/2022: Client provided missing CD XX/XX/XXXX. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXXX Comments: B1 has only made use of 7.73% of an available $XXXX in open credit line<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Calc DTI- 6.11%; Program max 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers Post Close Assets: $46,657.06 Reserve requirement: $18,300.00 | XXXX |
| 900000910 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: 7 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers' credit score 740 exceeds the minimum score of 660<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Borrowers' DTI 21% is below the max DTI 45% | XXXX |
| 900000912 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has 25+ years at current job<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: B1 has stayed 13+ years current residence<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV- 23.58%; Program max- 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 789; Program min- 680<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: 0x30 for 60 months<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrowers has only made use of 4.78% of an available $XXXX in open credit line | XXXX |
| 900000913 | XXXX | XXXX | NC | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Lender exception due to DCR of 1.11 is less than minimum 1.25 requirement for First Time Investor. Considered as non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 18 years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Mid credit score of 772 exceeds min requirement of 680. | XXXX |
| 900000924 | XXXX | XXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV- 54.05%; Program max- 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qual score- 790<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrowers have only made use of 9.84% of an available $XXXX open credit line<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Asset: Borrowers Post Close Assets: $887,580.05 Reserve requirement: 3 months PITIA subject, met | XXXX |
| 900000929 | XXXX | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Missing signature page of note. | 6.9.22: Lender provided the fully executed Note. | 6.9.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 9+ years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 785 exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 75.58% is below guideline requirements<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserve requirement: $60,000.00Available Reserve: $223,007.90<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 11.49% is below guideline requirement | XXXX |
| 900000929 | XXXX | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2862 | Copy of Note in file is incomplete | No | The last page of the note is not in the file. | 6.9.22: Lender provided the fully executed Note. | 6.9.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 9+ years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 785 exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 75.58% is below guideline requirements<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 60+ months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserve requirement: $60,000.00Available Reserve: $223,007.90<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 11.49% is below guideline requirement | XXXX |
| 900000931 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per the COC in file CD dated XX/XX/XXXX is missing from the file | 9/XX/2022: Client provided CD XX/XX/XXXX | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 66.67% is below the maximum LTV.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower's Post Close Assets are $19,511.54 or 7.81 months of PITIA reserves.Required PITIA Reserves are $2,497.37 x 3 = $7,492.14<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 12 years at departing residence | XXXX |
| 900000931 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 9/XX/2022: Client provided HC list. | 9/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 66.67% is below the maximum LTV.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower's Post Close Assets are $19,511.54 or 7.81 months of PITIA reserves.Required PITIA Reserves are $2,497.37 x 3 = $7,492.14<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 12 years at departing residence | XXXX |
| 900000938 | XXXX | XXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Post Close CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 43.82%, maximum LTV guideline is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative credit score is 769, minimum allowed is 740.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrowers have over 15 years in profession. | XXXX |
| 900000938 | XXXX | XXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Missing Seller CD. | 7/XX/2022: Client provided the seller CD. | 7/XX/2022: Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 43.82%, maximum LTV guideline is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative credit score is 769, minimum allowed is 740.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrowers have over 15 years in profession. | XXXX |
| 900000940 | XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower mid score of 780 exceeds min score requirement of 740.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 18 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Borrower LTV of 57.69% is below max LTV of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $292,475 exceed guidelines $23,692. | XXXX |
| 900000943 | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower credit score of 790 exceeds guideline min of 740.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 38.49% is below max DTI of 50%. | XXXX |
| 900000944 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Legal Documents | Active B | CRDLGL100 | Legal document incorrect or incomplete | No | Lender exception for insufficient liquid funds to cover the Balloon Note on REO property that is due 11/2022 for $XX. Based on excellent credit and mortgage history, score 804 and monthly residual income of $34,696 per month. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 804 qualifying score. Min required per guidelines is 720.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: 13 years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $238,294.76 exceed guidelines $44,445. | XXXX |
| 900000947 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Two COCs found in file dated 5/17 and 5/18 but corresponding CDs are missing in file. | 6/XX/2022: Client provided CDs XX/XX andXX/XX | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has worked 8+ years at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 60% is below guideline requirements maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 799 exceeds guidelines<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: 0x30 for 33 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 for 68 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $652,769 exceed guidelines $52,216.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 5.73% is below guideline requirement | XXXX |
| 900000963 | XXXX | XXXX | MO | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Missing the appraisal comparable rent schedule. | 8.26.22: Lender provided the appraisal original presented in loan file. Still missing the appraisal comparable rent schedule.9.14.22: Lender provided the comparable rent schedule with rent of $1500 for revised DSCR 1.3911%. | 8.26.22: Exception remains.9.14.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 729 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: B1 has owned primary residence for three years. | XXXX |
| 900000965 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | File is Missing Revised LEs 3/XX/22, 3/XX/22 & 4/XX/22 per COCs in file. | 5/XX/2022: Client provided LEs 3/23, 3/XX/2022 and 4/1. | 5/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers' credit score 744 exceeds the required score of 720.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 13 years at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrowers have been in profession for 14 years. | XXXX |
| 900000965 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | 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 fail in the amount of 1237.00. (400.00 for increase in appraisal fee without a valid reason for increase in fee, plus Missing Revised LE to match COC 3/XX/22)) + (150.00 - CDA due to Missing Revised LE to match COC 4/XX/22) and (687.00 for increase in Transfer Taxes due to Missing Revised LE to match COC 4/XX/22). Condition pending receiving a valid Change of Circumstances for increase in Appraisal fee along with Missing LEs 3/XX/22, 3/XX/22 & 4/XX/22 to match COCs in file OR Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping method that includes tracking information. | 5/XX/2022: Client provided COCs and missing LEs however, the Change of Circumstances for why the Appraisal fee increased is not disclosed. The COCs provided only state the new appraisal fee. The amount over tolerance and due to borrower is $400. Exception remains.5/XX/2022: Client provided the appraisal fee increase COC for LE 3/8. However, that LE is missing from file. 5.27.22 Client provided LE dated 3/XX/22. Exception satisfied. | 5/XX/22: Exception remains.5.27.22 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers' credit score 744 exceeds the required score of 720.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 13 years at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrowers have been in profession for 14 years. | XXXX |
| 900000965 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Credit | Income/Employment | Active C B | CRDINC150 | Income docs do not meet guidelines | No | Exception request for NFS checks of 29 that exceed maximum of 4. Considered as non-material. | 5.25.22: Lender provided the exception request.Though XXXX made an exception to override their guidelines that does not make the exception for violating guidelines go away. XXXX will acknowledge exception approval and will determine if said violation is a material or non-material exception based on the overall review of the loan file. This exception has been deemed non-material and this is XXXX final grade B. | 5.25.22: Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers' credit score 744 exceeds the required score of 720.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 13 years at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrowers have been in profession for 14 years. | XXXX |
| 900000965 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Property Valuations | Value | Satisfied A B | PRVAVALU5249 | Property Value Not Supported | No | XX/XX/XXXX The provided desk review CDA value was Indeterminate. A field review will be required. Exception approval in file to waive 2nd appraisal requirement. | 5.17.22: Lender provided the exception approval request to waive additional valuation.XXXX reply that a third party valuation is required.5.25.22: Lender provided the exception approval request to waive additional valuation.XXXX reply that a third party valuation is required.6.3.22: Lender provided the Indeterminate CDA and appraisal previously provided in loan file. Still missing the additional appraisal to support original value. This exception cannot be waived.6.13.2022- Lender provided desk review supporting appraisal value | 6.13.2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers' credit score 744 exceeds the required score of 720.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 13 years at current residence.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrowers have been in profession for 14 years. | XXXX |
| 900000968 | XXXX | XXXX | SD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Notary Status/ Certificate for Mortgage is missing in file. | 6/XX/2022: Client provided full mortgage including the notary page. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has been self employed at current job for 17 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $184,779 exceed guidelines $62,166. | XXXX |
| 900000968 | XXXX | XXXX | SD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has been self employed at current job for 17 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $184,779 exceed guidelines $62,166. | XXXX |
| 900000968 | XXXX | XXXX | SD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of $325 due to increase in Appraisal fee form $1200 to $1525 with no valid COC in file. Both COCs dated 3/17 and 5/11 are not valid COCs as they do not indicate a reason why Appraisal was increased. 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. | 6/XX/2022: Client provided valid COCs for the increase in appraisal fee. | 6/XX/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: B1 has been self employed at current job for 17 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves $184,779 exceed guidelines $62,166. | XXXX |
| 900000970 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC in file reflects an LE was provided to borrower on 5/XX/2022 however, that LE is missing from file. | 7.6.22 Client provided LE dated 5/XX/22. Exception satisfied | 7.6.22 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative credit score is 812, minimum allowed is 740.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 60%, maximum LTV guideline is 90%.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrowers have over 14 years in profession. | XXXX |
| 900000970 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero Tolerance increase of $632 between LE 4/XX/2022 and CDXX/XX/XXXX. The Appraisal Fee, 2nd Appraisal fee and Credit Report fees increased without a valid Change of Circumstance. The lender credit of $55.70 on CD is for the ten percent tolerance increase ($23.70) and the Credit Report increase ($32). $600 for the Appraisal fees increase is due to borrower with Post Close CD, LOX and copy of refund check and proof of delivery. | 7.6.22 Client provided COC. Exception satisfied. | 7.6.22 Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrower's representative credit score is 812, minimum allowed is 740.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 60%, maximum LTV guideline is 90%.<br>CFCFS2854: Significant time in profession<br> - XXXX Comments: Borrowers have over 14 years in profession. | XXXX |

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## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

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| | |
|:---|:---|
| **Client Name:** | **Rithm Capital Corp** |
| **Client Project Name:** | **NRMLT 2026-NQM1** |
| **Start - End Dates:** | **5/5/2022 - 9/16/2022** |
| **Deal Loan Count:** | **314** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *314* |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** | **Full Diligence Id** |
| 900000123 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 5.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000124 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 8.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000128 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000131 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 7145 | XX/XX/XXXX | 5.2892 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000133 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 3032.6 | XX/XX/XXXX | 8.6328 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000135 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 16943.12 | XX/XX/XXXX | 7.7276 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 19483.39 | XXXX |
| 900000136 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 6250 | XX/XX/XXXX | 7.1014 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 14497.11 | XXXX |
| 900000140 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 5.25 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000142 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 16130 | XX/XX/XXXX | 6.6101 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 56484.72 | XXXX |
| 900000146 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 13783.25 | XX/XX/XXXX | 6.4968 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8588.28 | XXXX |
| 900000147 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 7637.5 | XX/XX/XXXX | 5.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000154 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 1999.38 | XX/XX/XXXX | 7.9149 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 13424.66 | XXXX |
| 900000157 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 2815 | XX/XX/XXXX | 8.1581 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000160 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000163 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 7167.5 | XX/XX/XXXX | 5.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000166 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 6168.4 | XX/XX/XXXX | 8.1687 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000172 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000174 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 8525 | XX/XX/XXXX | 7.7501 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000178 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 7775.68 | XX/XX/XXXX | 8.3174 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 4056.46 | XXXX |
| 900000179 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 8.0001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000182 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 1295 | XX/XX/XXXX | 7.1491 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 15617.94 | XXXX |
| 900000184 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 4.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000185 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 15750 | XX/XX/XXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000188 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 10955.35 | XX/XX/XXXX | 7.3808 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8677.41 | XXXX |
| 900000189 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 5.875 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000191 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 6058.1 | XX/XX/XXXX | 7.7974 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000192 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 3980 | XX/XX/XXXX | 7.0249 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000193 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 6.25 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| Removed from deal | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 8950 | XX/XX/XXXX | 5.7098 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3819.2 | XXXX |
| Removed from deal | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 1395 | XX/XX/XXXX | 8.9163 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000203 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 5335.92 | XX/XX/XXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000204 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000205 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 44167.1 | XX/XX/XXXX | 5.148 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000209 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 19101.25 | XX/XX/XXXX | 6.9498 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 10900 | XXXX |
| 900000213 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | Yes | No | 0 | XX/XX/XXXX | 5.5001 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000217 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 8.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000218 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 8.625 | Unemployed | Employed | (No Data) | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000220 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 13438 | XX/XX/XXXX | 7.7183 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 7737.52 | XXXX |
| 900000222 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 10520 | XX/XX/XXXX | 7.5844 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8177.67 | XXXX |
| 900000223 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 18414.91 | XX/XX/XXXX | 6.8953 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000228 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 3250 | XX/XX/XXXX | 8.0206 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000229 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 9085 | XX/XX/XXXX | 5.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000233 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 8.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000234 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 16394.96 | XX/XX/XXXX | 6.3501 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000236 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 1390 | XX/XX/XXXX | 9.4379 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000237 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 24038.2 | XX/XX/XXXX | 6.6054 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8969.64 | XXXX |
| 900000238 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 5850 | XX/XX/XXXX | 6 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000241 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 12675 | XX/XX/XXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000242 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 9072 | XX/XX/XXXX | 6.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000244 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 5.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000246 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 6718 | XX/XX/XXXX | 7.5281 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | XXXX |
| 900000248 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000249 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 15050 | XX/XX/XXXX | 5.3751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000251 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 12901.5 | XX/XX/XXXX | 5.8796 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000252 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 22636.25 | XX/XX/XXXX | 6.5 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000256 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 7294.25 | XX/XX/XXXX | 6.8253 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 21058.02 | XXXX |
| 900000257 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 18276.22 | XX/XX/XXXX | 6.443 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 183498.05 | XXXX |
| 900000259 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 1614 | XX/XX/XXXX | 7.5566 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000260 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 6643.52 | XX/XX/XXXX | 7.8074 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5429.91 | XXXX |
| 900000261 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 7.8751 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000263 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 12448 | XX/XX/XXXX | 7.6961 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 24003.8 | XXXX |
| 900000266 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 4770.06 | XX/XX/XXXX | 5.985 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000268 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 7035.94 | XX/XX/XXXX | 9.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000274 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 6.25 | Unemployed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 | XXXX |
| 900000277 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 19269.12 | XX/XX/XXXX | 6.5353 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000281 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 8783.36 | XX/XX/XXXX | 7.7673 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 18076.48 | XXXX |
| 900000283 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 6.25 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000289 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 6466.25 | XX/XX/XXXX | 6.25 | Unemployed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 | XXXX |
| 900000290 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 19149.8 | XX/XX/XXXX | 6.2721 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7298.29 | XXXX |
| 900000294 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 5576 | XX/XX/XXXX | 8.5 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000297 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 8.0001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000302 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 6062 | XX/XX/XXXX | 6.1418 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000306 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 6061.88 | XX/XX/XXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000308 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 5517.76 | XX/XX/XXXX | 7.9561 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3940.24 | XXXX |
| 900000311 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 21643.86 | XX/XX/XXXX | 6.2872 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000314 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 27068.75 | XX/XX/XXXX | 8.8908 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 48183.75 | XXXX |
| 900000315 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 2250 | XX/XX/XXXX | 6.2784 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000316 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 4699.62 | XX/XX/XXXX | 8.3791 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3322.47 | XXXX |
| 900000319 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | Yes | No | 4000 | XX/XX/XXXX | 6.5352 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000322 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 5814 | XX/XX/XXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000323 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 12750 | XX/XX/XXXX | 7.6929 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 88727.95 | XXXX |
| 900000325 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 7644 | XX/XX/XXXX | 6.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000326 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 20266.97 | XX/XX/XXXX | 8.1226 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 17457.85 | XXXX |
| 900000332 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 9680 | XX/XX/XXXX | 5.3845 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000335 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | Yes | No | 6713.75 | XX/XX/XXXX | 6.8924 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 12806.86 | XXXX |
| 900000336 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 4666.6 | XX/XX/XXXX | 6.9052 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000339 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 14977.22 | XX/XX/XXXX | 7.6057 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 10985.6 | XXXX |
| 900000340 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000341 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 7.8751 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000344 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 17497.2 | XX/XX/XXXX | 4.7452 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 | XXXX |
| Removed from deal | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000348 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 8.0001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000350 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 4250 | XX/XX/XXXX | 8.8387 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9725.46 | XXXX |
| 900000352 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 16633.25 | XX/XX/XXXX | 7.1742 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| Removed from deal | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 3806 | XX/XX/XXXX | 9.3757 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000358 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 41290 | XX/XX/XXXX | 5.8829 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000359 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 3071.25 | XX/XX/XXXX | 8.3046 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000360 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 8.0001 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000361 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 22316.32 | XX/XX/XXXX | 6.0375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 27297.36 | XXXX |
| 900000367 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 10451.28 | XX/XX/XXXX | 6.0415 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000369 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 10236.32 | XX/XX/XXXX | 7.9698 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000373 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 5.5001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000375 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 1195 | XX/XX/XXXX | 5.9891 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000378 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 32408.72 | XX/XX/XXXX | 6.9962 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9529.15 | XXXX |
| 900000380 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000381 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 7855.31 | XX/XX/XXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000383 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 7850 | XX/XX/XXXX | 7.6758 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6363.43 | XXXX |
| 900000386 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 27360 | XX/XX/XXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| Removed from deal | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000389 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 3593.75 | XX/XX/XXXX | 6.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000390 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 5912.5 | XX/XX/XXXX | 5.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000396 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| Removed from deal | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 30289.38 | XX/XX/XXXX | 8.4709 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 16664.76 | XXXX |
| 900000398 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 5032.8 | XX/XX/XXXX | 6 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000400 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 15615.12 | XX/XX/XXXX | 6.6148 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 23000.72 | XXXX |
| 900000401 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 8482 | XX/XX/XXXX | 6.6425 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 28614.94 | XXXX |
| 900000402 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 13297.83 | XX/XX/XXXX | 7.9228 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000408 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 6384.45 | XX/XX/XXXX | 7.5766 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000409 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 6046.88 | XX/XX/XXXX | 5.6251 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000412 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 18038.75 | XX/XX/XXXX | 5.9763 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 25645.18 | XXXX |
| 900000418 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 7614.9 | XX/XX/XXXX | 6.8241 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000419 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 11501.68 | XX/XX/XXXX | 7.8687 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000420 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000423 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 11976 | XX/XX/XXXX | 6 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000426 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 1295 | XX/XX/XXXX | 6.7023 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7435.55 | XXXX |
| 900000432 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 8040 | XX/XX/XXXX | 7.7437 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 18953.27 | XXXX |
| 900000437 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 8370.87 | XX/XX/XXXX | 7.1011 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | XXXX |
| 900000440 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000441 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 3360.34 | XX/XX/XXXX | 8.5743 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000447 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 1383.48 | XX/XX/XXXX | 8.0989 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000448 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 7434.38 | XX/XX/XXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000453 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 3115 | XX/XX/XXXX | 8.0654 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000457 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 7319.28 | XX/XX/XXXX | 7.1415 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000459 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 9427.48 | XX/XX/XXXX | 5.7512 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 28339.52 | XXXX |
| 900000464 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 9539.06 | XX/XX/XXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000465 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 5.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000467 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 41391 | XX/XX/XXXX | 7.7143 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | XXXX |
| 900000468 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 7303.4 | XX/XX/XXXX | 8.9736 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5666.02 | XXXX |
| 900000474 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 5985 | XX/XX/XXXX | 8.2865 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000478 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 12850 | XX/XX/XXXX | 8.6892 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 22253.57 | XXXX |
| 900000479 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 10288.9 | XX/XX/XXXX | 6.524 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 11389.61 | XXXX |
| 900000485 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 19092.5 | XX/XX/XXXX | 6.3928 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000489 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 16458.75 | XX/XX/XXXX | 7.1107 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 15947.39 | XXXX |
| 900000495 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 7301.42 | XX/XX/XXXX | 8.0823 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7094.07 | XXXX |
| 900000498 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 6234.38 | XX/XX/XXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000499 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 11134.2 | XX/XX/XXXX | 5.9657 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000501 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 9557.95 | XX/XX/XXXX | 6.3451 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3342.52 | XXXX |
| 900000502 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 9.5108 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 13959.43 | XXXX |
| 900000503 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000504 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 5.9618 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000507 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 8187.5 | XX/XX/XXXX | 6.0903 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000510 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 4836.77 | XX/XX/XXXX | 8.4717 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000513 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 5568.75 | XX/XX/XXXX | 5.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000515 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 9240 | XX/XX/XXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000518 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 3231.25 | XX/XX/XXXX | 5.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000519 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 6405.43 | XX/XX/XXXX | 7.1893 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8454.44 | XXXX |
| 900000520 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 19826.77 | XX/XX/XXXX | 8.4112 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000522 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 15647.75 | XX/XX/XXXX | 7.1665 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000527 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 1481.4 | XX/XX/XXXX | 6.9975 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000533 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000535 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 9040.14 | XX/XX/XXXX | 6.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000541 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 9664.16 | XX/XX/XXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000544 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 9030 | XX/XX/XXXX | 5.3751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000548 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 2544 | XX/XX/XXXX | 8.0001 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000554 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 5.7796 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000555 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000556 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 5.3644 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000558 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 5.863 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 22506.3 | XXXX |
| 900000559 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 12547.96 | XX/XX/XXXX | 6.1241 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5152.38 | XXXX |
| 900000560 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 10312.5 | XX/XX/XXXX | 7.0516 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000563 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 7652.01 | XX/XX/XXXX | 7.7404 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5102.72 | XXXX |
| 900000564 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 37690 | XX/XX/XXXX | 6.2782 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9168.27 | XXXX |
| 900000567 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 9.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000568 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 5.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000574 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 8.0001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000576 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 22963.27 | XX/XX/XXXX | 5.939 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8446.07 | XXXX |
| 900000578 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 11906.25 | XX/XX/XXXX | 6.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000581 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 13868 | XX/XX/XXXX | 6.2301 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000585 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 12771 | XX/XX/XXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000587 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 8845.18 | XX/XX/XXXX | 8.52 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 23922.57 | XXXX |
| 900000601 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 8.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000605 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 10480.73 | XX/XX/XXXX | 7.3259 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000607 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 13170.5 | XX/XX/XXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000609 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000611 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 10997 | XX/XX/XXXX | 8.3173 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000615 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 6272.5 | XX/XX/XXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000618 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 835 | XX/XX/XXXX | 8.9067 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 163410.17 | XXXX |
| 900000620 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 8.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000621 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 10182.5 | XX/XX/XXXX | 8.3208 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9514.4 | XXXX |
| 900000623 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 1090 | XX/XX/XXXX | 7.7739 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8967.2 | XXXX |
| 900000629 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 7938 | XX/XX/XXXX | 6.2613 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000634 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 11412.5 | XX/XX/XXXX | 5.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000637 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 6125.24 | XX/XX/XXXX | 6.4319 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000638 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 6316.41 | XX/XX/XXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000643 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 15254.96 | XX/XX/XXXX | 7.6424 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 32676.67 | XXXX |
| Removed from deal | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 18750 | XX/XX/XXXX | 7.0194 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 | XXXX |
| 900000646 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 3989.52 | XX/XX/XXXX | 6.893 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000647 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 9673.12 | XX/XX/XXXX | 5.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000648 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 12081.51 | XX/XX/XXXX | 6.2951 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000651 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 8902.34 | XX/XX/XXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000653 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 11879.94 | XX/XX/XXXX | 5.6849 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000660 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 8675 | XX/XX/XXXX | 6.1363 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000662 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 19126.98 | XX/XX/XXXX | 6.9263 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| Removed from deal | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000670 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 4307.5 | XX/XX/XXXX | 8.209 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000674 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 10044.44 | XX/XX/XXXX | 6.8794 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000675 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 16087.5 | XX/XX/XXXX | 6.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000676 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 6544.31 | XX/XX/XXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000680 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 18220 | XX/XX/XXXX | 7.0062 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 45584.64 | XXXX |
| 900000681 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 15638.32 | XX/XX/XXXX | 6.8275 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 9216.56 | XXXX |
| 900000682 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 14113.89 | XX/XX/XXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000685 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 3260.25 | XX/XX/XXXX | 8.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000689 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 15000 | XX/XX/XXXX | 8.1397 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000690 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000691 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 10025.49 | XX/XX/XXXX | 5.9646 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5265.06 | XXXX |
| 900000695 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 4410 | XX/XX/XXXX | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000696 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000698 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 1100.88 | XX/XX/XXXX | 8.3064 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 13279.53 | XXXX |
| 900000700 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 8436.3 | XX/XX/XXXX | 7.814 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 61628.02 | XXXX |
| 900000701 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000704 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 42997.85 | XX/XX/XXXX | 5.3751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000707 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 43341.88 | XX/XX/XXXX | 5.5346 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000709 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 6.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000712 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | Yes | No | 6558.17 | XX/XX/XXXX | 6.6014 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000713 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 7.8751 | Unemployed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | 0 | XXXX |
| 900000715 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 33180.68 | XX/XX/XXXX | 5.9167 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 | XXXX |
| 900000718 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | Yes | No | 7443.25 | XX/XX/XXXX | 7.7368 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000720 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 10187.5 | XX/XX/XXXX | 5.0862 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 15864.29 | XXXX |
| 900000721 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000724 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 8130 | XX/XX/XXXX | 6.9937 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | XXXX |
| 900000725 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 20626.31 | XX/XX/XXXX | 6.5306 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 120610.17 | XXXX |
| 900000726 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 3284.4 | XX/XX/XXXX | 8.625 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000733 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000738 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 5453.44 | XX/XX/XXXX | 5.6251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000740 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 11562.5 | XX/XX/XXXX | 6.4437 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 10565.9 | XXXX |
| 900000741 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 3691.41 | XX/XX/XXXX | 7.8751 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000743 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 14049.04 | XX/XX/XXXX | 6.8464 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000744 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 20536.78 | XX/XX/XXXX | 9.4021 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 38858.1 | XXXX |
| 900000745 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 5115 | XX/XX/XXXX | 7.7501 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000746 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 8.125 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000747 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 3974.2 | XX/XX/XXXX | 7.9171 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 4887.24 | XXXX |
| 900000752 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 13900 | XX/XX/XXXX | 6.0277 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 31291.08 | XXXX |
| 900000753 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 12529.73 | XX/XX/XXXX | 6.3668 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000756 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 7750 | XX/XX/XXXX | 6.6932 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 34076.22 | XXXX |
| 900000758 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 11276 | XX/XX/XXXX | 8.9973 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7177.97 | XXXX |
| 900000760 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 11412.5 | XX/XX/XXXX | 5.5001 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000762 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 4547.81 | XX/XX/XXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000763 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 4250 | XX/XX/XXXX | 8.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000767 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 6750 | XX/XX/XXXX | 7.6512 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000769 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 32526 | XX/XX/XXXX | 5.3716 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 11512.49 | XXXX |
| 900000770 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 32862.92 | XX/XX/XXXX | 7.9989 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8265.02 | XXXX |
| 900000772 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 16320 | XX/XX/XXXX | 9.5226 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 16395.18 | XXXX |
| 900000785 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 5786 | XX/XX/XXXX | 8.9121 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2548.66 | XXXX |
| 900000787 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 8802.24 | XX/XX/XXXX | 8.2131 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 4774.44 | XXXX |
| 900000788 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 8.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000792 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 9175.62 | XX/XX/XXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000793 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 22349.94 | XX/XX/XXXX | 7.6373 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 23138.9 | XXXX |
| 900000796 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 29195.2 | XX/XX/XXXX | 5.5859 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6011.72 | XXXX |
| 900000799 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 9638.8 | XX/XX/XXXX | 6.3558 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 | XXXX |
| 900000805 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 9977.5 | XX/XX/XXXX | 8.3148 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 14517.09 | XXXX |
| 900000808 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 6.1302 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 21211.58 | XXXX |
| 900000811 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 96397.74 | XX/XX/XXXX | 5.811 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000812 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 5.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000814 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 5514.88 | XX/XX/XXXX | 7.8364 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7262.96 | XXXX |
| 900000818 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 414.6 | XX/XX/XXXX | 8.2979 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000824 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000826 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 11401.26 | XX/XX/XXXX | 7.211 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3326.16 | XXXX |
| 900000828 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000832 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 17513.31 | XX/XX/XXXX | 6.8902 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9295.73 | XXXX |
| 900000834 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 28621.48 | XX/XX/XXXX | 7.4607 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 13277 | XXXX |
| 900000835 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 4.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000837 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 10908.9 | XX/XX/XXXX | 7.4322 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3484.83 | XXXX |
| 900000838 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 20910.56 | XX/XX/XXXX | 6.6613 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5385.04 | XXXX |
| 900000840 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 6 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000843 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 5.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000847 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 8670 | XX/XX/XXXX | 6.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000849 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 2235.2 | XX/XX/XXXX | 5.2091 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3300 | XXXX |
| 900000855 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 8.0001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000860 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | Yes | No | 15035.37 | XX/XX/XXXX | 5.6673 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| Removed from deal | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000863 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 9668.05 | XX/XX/XXXX | 6.5431 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 7782.33 | XXXX |
| 900000865 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 5.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000868 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 57207.7 | XX/XX/XXXX | 6.0353 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 12577.02 | XXXX |
| 900000870 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 7306.16 | XX/XX/XXXX | 6.2017 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2810.2 | XXXX |
| 900000872 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 8.0001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000874 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 15811 | XX/XX/XXXX | 8.3742 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 4997.86 | XXXX |
| 900000878 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | XX/XX/XXXX | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000879 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | Yes | No | 6301.6 | XX/XX/XXXX | 8.1113 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 | XXXX |
| 900000880 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 5.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000884 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 6948.34 | XX/XX/XXXX | 8.7925 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 2802.85 | XXXX |
| 900000886 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 1514.5 | XX/XX/XXXX | 6.0417 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 23764.72 | XXXX |
| 900000887 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 60216.46 | XX/XX/XXXX | 6.3794 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000893 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 7281.33 | XX/XX/XXXX | 5.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000894 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 14055.18 | XX/XX/XXXX | 8.3517 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000895 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 9329.32 | XX/XX/XXXX | 8.3609 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000900 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 5.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000901 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 6250 | XX/XX/XXXX | 6.3557 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000902 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 10176.18 | XX/XX/XXXX | 7.5257 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| Removed from deal | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 26678.03 | XX/XX/XXXX | 8.4839 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000910 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 9760 | XX/XX/XXXX | 6.1921 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000912 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 15625 | XX/XX/XXXX | 5.859 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000913 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 5430 | XX/XX/XXXX | 5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 900000924 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 1055 | XX/XX/XXXX | 6.3966 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 10187.84 | XXXX |
| 900000929 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 10199 | XX/XX/XXXX | 6.4675 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000931 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 9446 | XX/XX/XXXX | 7.4723 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000938 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 11889.2 | XX/XX/XXXX | 5.7227 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 900000940 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 11795 | XX/XX/XXXX | 5.8958 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 16107.98 | XXXX |
| 900000943 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 5479.1 | XX/XX/XXXX | 9.0461 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9008.45 | XXXX |
| 900000944 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000947 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 8150 | XX/XX/XXXX | 4.9933 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000963 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | XX/XX/XXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 900000965 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 1390 | XX/XX/XXXX | 5.0653 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 14844.05 | XXXX |
| 900000968 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 19525 | XX/XX/XXXX | 7.0329 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 900000970 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 12348 | XX/XX/XXXX | 5.0437 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 15740.18 | XXXX |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 5**

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| | |
|:---|:---|
| **Client Name:** | Rithm Capital Corp |
| **Client Project Name:** | NRMLT 2026-NQM1 |
| **Start - End Dates:** | 5/5/2022 - 9/16/2022 |
| **Deal Loan Count:** | 314 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *179* |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** | **Discrepancy Comment** | **Diligence Id** |
| 900000123 | XXXX | XXXX | Borrower 1 Self Employed Flag | Yes | No | (No Data) | XXXX |
| 900000123 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | (No Data) | XXXX |
| 900000123 | XXXX | XXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) | Per appraisal | XXXX |
| 900000124 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | B1 owns primary residence, Current value matches 1003 | XXXX |
| 900000131 | XXXX | XXXX | Loan Purpose | Cashout Refi | Rate and Term Refi | Current value correct per the final CD. | XXXX |
| 900000131 | XXXX | XXXX | Property Type | SFR | Detached PUD | Current value correct per the appraisal. | XXXX |
| 900000133 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | Current value per documentation in file | XXXX |
| 900000133 | XXXX | XXXX | Occupancy Type | Investor | Second Home | Formatting | XXXX |
| 900000136 | XXXX | XXXX | Loan Purpose | Cashout Refi | Rate and Term Refi | (No Data) | XXXX |
| 900000136 | XXXX | XXXX | Property Type | SFR | Detached PUD | per PUD Rider | XXXX |
| 900000140 | XXXX | XXXX | Amortized Term | 240 | 360 | Current value correct per the note.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | XXXX |
| 900000140 | XXXX | XXXX | Debt to Income Ratio (Back) | 38.2080 | 41.0575 | DTI 41.06% / qualifying 43.99%; Primary res $9028.64 + subject net rents $1809.96 + OREO's $3950.79 + 1261 = $16,050.39 total expenses / Income $39092.42 | XXXX |
| 900000140 | XXXX | XXXX | Property Type | SFR | Detached PUD | Current value correct per the mortgage. | XXXX |
| 900000142 | XXXX | XXXX | Amortized Term | 240 | 360 | Due to IO 10; formatting. | XXXX |
| 900000142 | XXXX | XXXX | Borrower 1 Self Employed Flag | Yes | No | (No Data) | XXXX |
| 900000142 | XXXX | XXXX | Debt to Income Ratio (Back) | 23.4130 | 19.0726 | 19.0726 initial interest rate utilized ATR DTI 23.42 | XXXX |
| 900000142 | XXXX | XXXX | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only | (No Data) | XXXX |
| 900000154 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | As per data in file | XXXX |
| 900000154 | XXXX | XXXX | Property Type | SFR | Detached PUD | As per 1004 | XXXX |
| 900000157 | XXXX | XXXX | Loan Purpose | Rate and Term Refi | Cashout Refi | Current value correct per CD. | XXXX |
| 900000157 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per PUD Rider | XXXX |
| 900000172 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per PUD Rider in file | XXXX |
| 900000174 | XXXX | (No Data) | Borrower 1 First Time Home Buyer | Yes | No | (No Data) | XXXX |
| 900000174 | XXXX | (No Data) | Combined LTV | 66.67 | 73.33 | CLTV 73.33 using AV XX & OPB XX; tape data based on est AV XX | XXXX |
| 900000174 | XXXX | (No Data) | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000174 | XXXX | (No Data) | Original Appraised Value | XXXX | XXXX | appraised value XXXX per appraisal | XXXX |
| 900000174 | XXXX | (No Data) | Original LTV | 66.67 | 73.33 | LTV 73.33 using AV XX & OPB XX; tape data based on est AV XX | XXXX |
| 900000178 | XXXX | XXXX | Debt to Income Ratio (Back) | 40.5550 | 43.7673 | (No Data) | XXXX |
| 900000182 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per appraisal | XXXX |
| 900000184 | XXXX | XXXX | Debt to Income Ratio (Back) | 20.9700 | 33.2071 | 33.20 Total Debts including negative rent/Income including self employed income | XXXX |
| 900000188 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | No. Borrower owns present residence | XXXX |
| 900000188 | XXXX | XXXX | Occupancy Type | Investor | Second Home | Second Home | XXXX |
| 900000189 | XXXX | XXXX | Debt to Income Ratio (Back) | 6.0610 | 30.2351 | (No Data) | XXXX |
| 900000191 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | C/O Refinance | XXXX |
| Removed from deal | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | formatting | XXXX |
| Removed from deal | XXXX | XXXX | Amortized Term | 240 | 360 | Current value matches Note | XXXX |
| Removed from deal | XXXX | XXXX | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only | Current value matches loan type. | XXXX |
| 900000204 | XXXX | XXXX | Debt to Income Ratio (Back) | 44.6210 | 47.1327 | based on REO PITI calculation | XXXX |
| 900000205 | XXXX | XXXX | Amortized Term | 240 | 360 | Per Note | XXXX |
| 900000205 | XXXX | XXXX | Debt to Income Ratio (Back) | 16.9180 | 12.3513 | calculated | XXXX |
| 900000205 | XXXX | XXXX | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only | Formatting | XXXX |
| 900000209 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | This is a cash out refinance | XXXX |
| 900000209 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Asset Depletion | Assets are used to qualify | XXXX |
| 900000209 | XXXX | XXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) | Condo has 50 stories. | XXXX |
| 900000213 | XXXX | XXXX | Debt to Income Ratio (Back) | 41.2290 | 43.3074 | DTI 43.31%: Income B1 $4309.67 + B2 $8337.88 = $12647.55. Primary $2944.00 + subject -$1265.07 + REO - $165.25 + debts $1103 = $5477.32 total expenses. Tape date 41.22% source unknown; 1008 & AUS list DTI 49%. | XXXX |
| 900000213 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | Data discrepancy | XXXX |
| 900000220 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | Borrowers currently renting 9 months prior homeowner | XXXX |
| 900000222 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000223 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | Borrower currently owns investment property. | XXXX |
| 900000223 | XXXX | XXXX | Property Type | SFR | Detached PUD | Current value matches legal description. | XXXX |
| 900000228 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | Formatting | XXXX |
| 900000228 | XXXX | XXXX | Occupancy Type | Investor | Second Home | formatting | XXXX |
| 900000233 | XXXX | XXXX | Debt to Income Ratio (Back) | 35.0420 | 25.0305 | Current value based on 24 mos bank stmt avg at 30% exp factor. Tape reflects lower income used. | XXXX |
| 900000236 | XXXX | XXXX | Occupancy Type | Investor | Second Home | formatting | XXXX |
| 900000242 | XXXX | (No Data) | Property Type | SFR | Detached PUD | per mtg rider and appraisal | XXXX |
| 900000244 | XXXX | XXXX | Debt to Income Ratio (Back) | 41.9160 | 49.4132 | 49.4132 included $2,000 alimony | XXXX |
| 900000252 | XXXX | (No Data) | Amortized Term | 240 | 360 | Current value matches Note which includes IO period | XXXX |
| 900000252 | XXXX | (No Data) | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO | Formatting | XXXX |
| 900000256 | XXXX | XXXX | Amortized Term | 240 | 360 | Current value correct per the note.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | XXXX |
| 900000256 | XXXX | XXXX | Debt to Income Ratio (Back) | 27.0950 | 36.9408 | Qualifying DTI 36.94 income and debt calculation | XXXX |
| 900000256 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | Full Doc provided in drop down | XXXX |
| 900000256 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000256 | XXXX | XXXX | Occupancy Type | Investor | Second Home | Second home, per 1008 | XXXX |
| 900000257 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | (No Data) | XXXX |
| 900000257 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per appraisal | XXXX |
| 900000259 | XXXX | XXXX | Property Type | SFR | Detached PUD | Current value correct per the appraisal and mortgage. | XXXX |
| 900000263 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000266 | XXXX | XXXX | Debt to Income Ratio (Back) | 48.8980 | 45.4033 | DTI 50.67%: Subject PITI $1,674.16 + debts $2,035 = $3,709.16 total expenses / B1 income $5,837.24 + IRA distribution $642 + pos rental income $840.91 = $7,320.15. Lender DTI 48.88%. Difference based on rental income of $840 compared to lender $1,688. | XXXX |
| 900000277 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | Loan is cash out refinance. | XXXX |
| 900000281 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | Full Doc | XXXX |
| 900000281 | XXXX | XXXX | Occupancy Type | Investor | Second Home | Formatting | XXXX |
| 900000289 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per PUD Rider | XXXX |
| 900000290 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | Current value per guidelines. | XXXX |
| 900000290 | XXXX | XXXX | Property Type | SFR | Detached PUD | Crrent value per Appraisal. | XXXX |
| 900000302 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | This is a refinace. Subject property indiates B1's prior property ownership history | XXXX |
| 900000314 | XXXX | XXXX | Debt to Income Ratio (Back) | 21.4270 | 19.3803 | 19.3803 using calculated income with most recent bank statements, and most recent credit report | XXXX |
| 900000316 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000323 | XXXX | XXXX | Amortized Term | 240 | 360 | Current value correct per Note.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | XXXX |
| 900000323 | XXXX | XXXX | Debt to Income Ratio (Back) | 30.0000 | 11.4046 | DTI back 11.4 is within tolerance of lenders 1008 of 12.67; tape data 30 source unknown | XXXX |
| 900000323 | XXXX | XXXX | Property Type | SFR | Detached PUD | Current value correct per the appraisal. | XXXX |
| 900000325 | XXXX | (No Data) | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000335 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | Full Doc provided in drop down | XXXX |
| 900000335 | XXXX | XXXX | Occupancy Type | Investor | Second Home | Second Home | XXXX |
| 900000335 | XXXX | XXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) | Per appraisal | XXXX |
| 900000336 | XXXX | XXXX | Debt to Income Ratio (Back) | 40.5690 | 38.0982 | Difference is within tolerance | XXXX |
| 900000340 | XXXX | XXXX | Amortized Term | 240 | 360 | Current value correct per note&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | XXXX |
| 900000340 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | owns other properties | XXXX |
| 900000340 | XXXX | XXXX | Debt to Income Ratio (Back) | 14.6550 | 11.6919 | qualifying DTI 12.24 | XXXX |
| 900000340 | XXXX | XXXX | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only | Formatting | XXXX |
| 900000341 | XXXX | XXXX | Debt to Income Ratio (Back) | 22.2400 | 34.1750 | Recalculated co-borrower income resulted in back-end DTI ratio of 36.56%; lender calculated DTI was 34.18%. Source of tape data unknown. | XXXX |
| 900000341 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XXXX guidelines require full documentation. | XXXX |
| 900000341 | XXXX | XXXX | Ever in Foreclosure | No | Yes | Credit report and explanation letter verified borrower had a previous foreclosure; source of tape data unknown. | XXXX |
| 900000341 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000341 | XXXX | XXXX | Original Appraised Value | XXXX | XXXX | Appraised value is $XXXX; tape data shows sales price. | XXXX |
| 900000344 | XXXX | XXXX | Debt to Income Ratio (Back) | 36.6900 | 33.1162 | income discrepancy | XXXX |
| 900000344 | XXXX | XXXX | Property Type | SFR | Detached PUD | As per 1004 | XXXX |
| Removed from deal | XXXX | XXXX | Original Appraised Value | XXXX | XXXX | Verified on appraisal | XXXX |
| 900000350 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | Sold prior residence for funds to close | XXXX |
| 900000350 | XXXX | XXXX | Debt to Income Ratio (Back) | 47.0110 | 44.5527 | 44.55 matches 1008; source of tape is unknown | XXXX |
| Removed from deal | XXXX | XXXX | Occupancy Type | Investor | Second Home | Formatting | XXXX |
| 900000358 | XXXX | XXXX | Amortized Term | 240 | 360 | Per note | XXXX |
| 900000358 | XXXX | XXXX | Debt to Income Ratio (Back) | 9.4220 | 7.3175 | DTI based on fully amortizing rate used on 5.625% at PITIA: $13,820.94. DTI is 8.31% which is which within 2% tolerance. | XXXX |
| 900000367 | XXXX | XXXX | Amortized Term | 240 | 360 | Per Note | XXXX |
| 900000367 | XXXX | XXXX | Debt to Income Ratio (Back) | 39.8750 | 33.0361 | (No Data) | XXXX |
| 900000367 | XXXX | XXXX | Product Type | 30 Yr Fixed | Jumbo 30yr Fixed IO | Tape Value not available in eCLAS | XXXX |
| 900000369 | XXXX | XXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) | (No Data) | XXXX |
| 900000375 | XXXX | XXXX | Loan Purpose | Cashout Refi | Rate and Term Refi | Per 1008 | XXXX |
| 900000375 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000378 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | Final 1003 reflects borrower ownership of property in last 3 years. CBR supports same. | XXXX |
| 900000389 | XXXX | (No Data) | Property Type | SFR | Detached PUD | Current value per Appraisal. | XXXX |
| 900000390 | XXXX | XXXX | Amortized Term | 240 | 360 | Current value correct per note.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | XXXX |
| Removed from deal | XXXX | XXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) | Current value is per Appraisal in file. | XXXX |
| 900000400 | XXXX | XXXX | Amortized Term | 240 | 360 | Current value correct per the note.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | XXXX |
| 900000400 | XXXX | XXXX | Debt to Income Ratio (Back) | 32.2120 | 40.0672 | 40.06 using income calculation from WVOE and debts from credit report | XXXX |
| 900000401 | XXXX | XXXX | Debt to Income Ratio (Back) | 20.1500 | 17.6862 | DTI (Back) of 17.6862% was derived by using the Income of $34,763.25 and the Debt of $6,149.31. | XXXX |
| 900000402 | XXXX | XXXX | Debt to Income Ratio (Back) | 44.9570 | 42.0677 | within tolerance | XXXX |
| 900000402 | XXXX | XXXX | Occupancy Type | Investor | Second Home | formatting | XXXX |
| 900000402 | XXXX | XXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) | 5 story | XXXX |
| 900000408 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | Borrower owns subject propertuy | XXXX |
| 900000418 | XXXX | XXXX | Debt to Income Ratio (Back) | 49.6260 | 42.0892 | 1008 has back DTI at 41.113% | XXXX |
| 900000419 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000420 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | Current value per docs in file | XXXX |
| 900000420 | XXXX | XXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) | Per Appraisal | XXXX |
| 900000423 | XXXX | XXXX | Amortized Term | 240 | 360 | per note | XXXX |
| 900000426 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Asset Depletion | Loan program is Asset qualfier per docs in file. | XXXX |
| 900000437 | XXXX | XXXX | Debt to Income Ratio (Back) | 30.9910 | 25.0755 | Within 2% of approval in file.. | XXXX |
| 900000448 | XXXX | XXXX | Loan Purpose | Rate and Term Refi | Cashout Refi | Current value correct per final CD. | XXXX |
| 900000453 | XXXX | XXXX | Occupancy Type | Investor | Second Home | Per Second Home Rider to Mortgage. | XXXX |
| 900000453 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per PUD Rider to Mortgage and appraisal. | XXXX |
| 900000459 | XXXX | XXXX | Representative Credit Score for Grading | 726 | 729 | FICO score 729 per credit report dated 06/XX/22 | XXXX |
| 900000464 | XXXX | XXXX | Representative Credit Score for Grading | 783 | 788 | per credit report 8/XX/22 | XXXX |
| 900000465 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | Borrower owns other properties | XXXX |
| 900000467 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | is not a FTHB per docs in file | XXXX |
| 900000468 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per PUID Rider | XXXX |
| 900000468 | XXXX | XXXX | Representative Credit Score for Grading | 747 | 758 | Current value based on credit report in file dated 6/XX/22. Tape reflects old credit from 2021. | XXXX |
| 900000478 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | (No Data) | XXXX |
| 900000489 | XXXX | XXXX | Property Type | SFR | Detached PUD | per appraisal | XXXX |
| 900000499 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | (No Data) | XXXX |
| 900000499 | XXXX | XXXX | Property Type | SFR | Detached PUD | PUD per title | XXXX |
| 900000501 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | Cash out refi; borrower owns this one property | XXXX |
| 900000501 | XXXX | XXXX | Property Type | Attached PUD | SFR | (No Data) | XXXX |
| 900000504 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | Formatting | XXXX |
| 900000510 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | formatting | XXXX |
| 900000510 | XXXX | XXXX | Ever in Foreclosure | No | Yes | yes, per LOE and per fraud report | XXXX |
| 900000513 | XXXX | XXXX | Loan Purpose | Cashout Refi | Rate and Term Refi | Per 1008. | XXXX |
| 900000518 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per PUD Rider | XXXX |
| 900000520 | XXXX | XXXX | Amortized Term | 240 | 360 | per note | XXXX |
| 900000520 | XXXX | XXXX | Debt to Income Ratio (Back) | 44.9040 | 38.9680 | ATR calculated DTI 44.90 | XXXX |
| 900000520 | XXXX | XXXX | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only | formatting | XXXX |
| 900000520 | XXXX | XXXX | Property Type | SFR | Detached PUD | per PUD rider | XXXX |
| 900000527 | XXXX | XXXX | Seller Loan Number | XXXX | XXXX | (No Data) | XXXX |
| 900000541 | XXXX | XXXX | Ever in Foreclosure | No | Yes | forclosure per fraud report | XXXX |
| 900000554 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per PUD Rider to Mortgage. | XXXX |
| 900000558 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per PUD Rider and appraisal | XXXX |
| 900000560 | XXXX | XXXX | Borrower 1 First Time Home Buyer | No | Yes | 1003 Demographics supports Current Value | XXXX |
| 900000560 | XXXX | XXXX | Occupancy Type | Investor | Second Home | Second Home per Second Home Rider in file | XXXX |
| 900000563 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per PUD Rider to Mortgage and appraisal. | XXXX |
| 900000564 | XXXX | XXXX | Property Type | SFR | Detached PUD | Property detached PUD per PUD Rider and appraisal | XXXX |
| 900000568 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000568 | XXXX | XXXX | Representative Credit Score for Grading | 767 | 762 | per credit report | XXXX |
| 900000574 | XXXX | XXXX | Amortized Term | 276 | 360 | Current value is per Note in file | XXXX |
| 900000574 | XXXX | XXXX | Product Type | 7/6 ARM | 7/6 IO ARM | Formatting | XXXX |
| 900000576 | XXXX | XXXX | Debt to Income Ratio (Back) | 38.9320 | 36.6320 | Variance due to income calculations | XXXX |
| 900000576 | XXXX | XXXX | Property Type | SFR | Detached PUD | per appraisal | XXXX |
| 900000578 | XXXX | XXXX | Borrower 1 First Time Home Buyer | No | Yes | (No Data) | XXXX |
| 900000578 | XXXX | XXXX | Original Appraised Value | XXXX | XXXX | (No Data) | XXXX |
| 900000578 | XXXX | XXXX | Property Type | SFR | Detached PUD | Current value is per Appraisal in file. | XXXX |
| 900000585 | XXXX | XXXX | Property Type | SFR | Detached PUD | Current value is per Appraisal in file | XXXX |
| 900000601 | XXXX | XXXX | Amortized Term | 240 | 360 | Current value matches Note. | XXXX |
| 900000609 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | formatting | XXXX |
| 900000618 | XXXX | XXXX | Property Type | SFR | Detached PUD | per PUD Rider | XXXX |
| 900000623 | XXXX | XXXX | Property Type | SFR | Detached PUD | Current value correct per the appraisal. | XXXX |
| 900000629 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000629 | XXXX | XXXX | Property Type | SFR | Detached PUD | Current value matches legal description and appraisal | XXXX |
| 900000643 | XXXX | XXXX | Occupancy Type | Investor | Second Home | Current Value correct per 1008 and Occupancy Affidavit. | XXXX |
| Removed from deal | XXXX | XXXX | Property Type | SFR | Detached PUD | per mortgage | XXXX |
| 900000646 | XXXX | XXXX | Occupancy Type | Investor | Second Home | Formatting | XXXX |
| 900000646 | XXXX | XXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) | Formatting | XXXX |
| 900000647 | XXXX | XXXX | Property Type | SFR | Detached PUD | Current value per Appraisal. | XXXX |
| 900000648 | XXXX | XXXX | Loan Purpose | Cashout Refi | Rate and Term Refi | (No Data) | XXXX |
| 900000653 | XXXX | XXXX | Amortized Term | 240 | 360 | Current value per Note. | XXXX |
| 900000653 | XXXX | XXXX | Debt to Income Ratio (Back) | 37.4180 | 28.6583 | Lender approved DTI at 37.42%. Review calculated income for B1 $7,520.80 + B2 $7,520.80, Primary PITI of $3,090.66 + Review used negative cash flow of $0.00 (Lender used $4,408.21 negative cash flow) + other debt of $1,220 = $4,310.66 / $15,041.60 for DTI of 28.66%. | XXXX |
| 900000670 | XXXX | XXXX | Occupancy Type | Investor | Second Home | Formatting. | XXXX |
| 900000674 | XXXX | XXXX | Amortized Term | 240 | 360 | per note | XXXX |
| 900000675 | XXXX | (No Data) | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000680 | XXXX | XXXX | Amortized Term | 240 | 360 | per Final and Post CD | XXXX |
| 900000680 | XXXX | XXXX | Debt to Income Ratio (Back) | 41.0930 | 35.6296 | Lender included 2 business debts in DTI. | XXXX |
| 900000681 | XXXX | XXXX | Occupancy Type | Investor | Second Home | Per 1008 and PUD Rider | XXXX |
| 900000682 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per the Appraisal | XXXX |
| 900000689 | XXXX | XXXX | Debt to Income Ratio (Back) | 8.3110 | 13.9150 | per calculations | XXXX |
| 900000691 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000696 | XXXX | XXXX | Amortized Term | 240 | 360 | (No Data) | XXXX |
| 900000696 | XXXX | XXXX | Debt to Income Ratio (Back) | 22.2120 | 26.2711 | Income varience. | XXXX |
| 900000696 | XXXX | XXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO | formatting | XXXX |
| 900000700 | XXXX | XXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) | per appraisal | XXXX |
| 900000701 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | Property is cash out refinance. | XXXX |
| 900000704 | XXXX | XXXX | Combined LTV | 30.53 | 28.98 | 28.9757 using most recent appraised value | XXXX |
| 900000704 | XXXX | XXXX | Loan Purpose | Rate and Term Refi | Cashout Refi | Cashout Refi, per closing document and exception | XXXX |
| 900000704 | XXXX | XXXX | Original Appraised Value | XXXX | XXXX | XXXX per most recent appraisal | XXXX |
| 900000704 | XXXX | XXXX | Original LTV | 30.53 | 28.98 | 68.9757 using most recent appraised value | XXXX |
| 900000707 | XXXX | XXXX | Amortized Term | 240 | 360 | Per Note. | XXXX |
| 900000707 | XXXX | XXXX | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only | (No Data) | XXXX |
| 900000707 | XXXX | XXXX | Property Type | SFR | Detached PUD | Current value per Appraisal. | XXXX |
| 900000709 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per PUD rider in file | XXXX |
| 900000712 | XXXX | XXXX | Debt to Income Ratio (Back) | 19.3180 | 33.0477 | Current value is value is inclusive of oREO PITI | XXXX |
| 900000712 | XXXX | XXXX | Occupancy Type | Investor | Second Home | Formatting | XXXX |
| 900000712 | XXXX | XXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) | Per appraisal, condo building is XX stories. | XXXX |
| 900000713 | XXXX | XXXX | Property Type | Attached PUD | SFR-Attached | Per Appraisal | XXXX |
| 900000715 | XXXX | XXXX | Debt to Income Ratio (Back) | 21.3400 | 24.2595 | 24.2595 is in line with lenders 1008. | XXXX |
| 900000715 | XXXX | XXXX | Occupancy Type | Investor | Second Home | Formatting. | XXXX |
| 900000718 | XXXX | XXXX | Borrower 1 First Time Home Buyer | No | Yes | Per credit report and aplication | XXXX |
| 900000720 | XXXX | XXXX | Amortized Term | 240 | 360 | Per the Note | XXXX |
| 900000720 | XXXX | XXXX | Debt to Income Ratio (Back) | 49.1290 | 29.1924 | DTI 29.19 and qualifying DTI 43.2 | XXXX |
| 900000720 | XXXX | XXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO | Formatting | XXXX |
| 900000720 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per the Appraisal | XXXX |
| 900000724 | XXXX | XXXX | Debt to Income Ratio (Back) | 35.0000 | 26.2853 | Current value is within tolerance 1008 at 25.74%. | XXXX |
| 900000724 | XXXX | XXXX | Property Type | SFR | Detached PUD | Current Value correct per Appraisal and PUD Rider. | XXXX |
| 900000726 | XXXX | (No Data) | Combined LTV | 79.33 | 76.16 | Currrent value based on appraised value $XXXX | XXXX |
| 900000726 | XXXX | (No Data) | Original Appraised Value | XXXX | XXXX | Current value matches appraisal in file. | XXXX |
| 900000726 | XXXX | (No Data) | Original LTV | 79.33 | 76.16 | Currrent value based on appraised value $XXXX | XXXX |
| 900000733 | XXXX | XXXX | Debt to Income Ratio (Back) | 53.5410 | 51.3419 | Current value based on correct primary home expenses. | XXXX |
| 900000733 | XXXX | XXXX | Ever in Foreclosure | No | Yes | Per LOX in file. greater than 4 yrs | XXXX |
| 900000733 | XXXX | XXXX | Property Type | SFR | Detached PUD | per appraisal | XXXX |
| 900000738 | XXXX | XXXX | Property Type | SFR | Detached PUD | as per SDOT | XXXX |
| 900000743 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000747 | XXXX | XXXX | Debt to Income Ratio (Back) | 48.8550 | 46.4175 | (No Data) | XXXX |
| 900000752 | XXXX | XXXX | Debt to Income Ratio (Back) | 36.6000 | 34.1620 | (No Data) | XXXX |
| 900000752 | XXXX | XXXX | Origination Date | XXXX | XXXX | As per Note | XXXX |
| 900000752 | XXXX | XXXX | Property Type | SFR | Detached PUD | per appraisal | XXXX |
| 900000753 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per apprsl | XXXX |
| 900000756 | XXXX | XXXX | Occupancy Type | Investor | Second Home | formatting | XXXX |
| 900000756 | XXXX | XXXX | Property Type | SFR | Detached PUD | per appraisal | XXXX |
| 900000767 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000767 | XXXX | XXXX | Original Appraised Value | XXXX | XXXX | Per appraisal & CDA vs sales price | XXXX |
| 900000769 | XXXX | XXXX | Amortized Term | 240 | 360 | Per the Note, this is an IO Loan. | XXXX |
| 900000769 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | This is a cash out Refinance | XXXX |
| 900000769 | XXXX | XXXX | Debt to Income Ratio (Back) | 44.8020 | 31.8299 | (No Data) | XXXX |
| 900000769 | XXXX | XXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO | Formatting | XXXX |
| 900000770 | XXXX | XXXX | Ever in Foreclosure | No | Yes | Current value matches documents in file. | XXXX |
| 900000787 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000793 | XXXX | XXXX | Property Type | SFR | Detached PUD | per mortgage | XXXX |
| 900000799 | XXXX | XXXX | Debt to Income Ratio (Back) | 47.8930 | 23.3845 | Varience in income. Income calculated higher | XXXX |
| 900000805 | XXXX | XXXX | Property Type | SFR | Detached PUD | per PUD Rider | XXXX |
| 900000811 | XXXX | XXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) | Per Appraisal | XXXX |
| 900000812 | XXXX | XXXX | Debt to Income Ratio (Back) | 44.4680 | 46.9343 | Per 1008 DTI 49.99 | XXXX |
| 900000812 | XXXX | XXXX | Origination Date | XXXX | XXXX | As per Note | XXXX |
| 900000824 | XXXX | XXXX | Borrower 1 First Time Home Buyer | No | Yes | borrower is FTHB. | XXXX |
| 900000826 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | (No Data) | XXXX |
| 900000832 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | This is a refinace of a primary residence | XXXX |
| 900000834 | XXXX | XXXX | Property Type | SFR | Detached PUD | per PUD Rider & appraisal | XXXX |
| 900000835 | XXXX | XXXX | Borrower 1 Self Employed Flag | No | Yes | Formatting | XXXX |
| 900000835 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | Formatting | XXXX |
| 900000840 | XXXX | XXXX | Amortized Term | 240 | 360 | Current value correct per note | XXXX |
| 900000840 | XXXX | XXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO | Current value correct per the note. | XXXX |
| 900000840 | XXXX | XXXX | Property Type | SFR | Detached PUD | Current value correct per appraisal. | XXXX |
| 900000843 | XXXX | XXXX | Amortized Term | 240 | 360 | 240 is without the 10 yr interest only . collectively it's 360. | XXXX |
| 900000843 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | Per decalration page on 1003 | XXXX |
| 900000843 | XXXX | XXXX | Debt to Income Ratio (Back) | 48.7120 | 39.9729 | DTI discrepancy is because Lender's UW included Subject Property's Previous housing expenses to DTI calculation | XXXX |
| 900000849 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | Current value per 1003 | XXXX |
| 900000849 | XXXX | XXXX | Borrower 1 Self Employed Flag | Yes | No | Current value per 1003 | XXXX |
| 900000849 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | Current value per docs in file | XXXX |
| 900000849 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per PUD Rider to Mortgage and appraisal | XXXX |
| 900000860 | XXXX | XXXX | Representative Credit Score for Grading | 751 | 775 | Current value matches latest credit report in file 7/XX/22. Lender used credit report dated 5/XX/22 | XXXX |
| Removed from deal | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| Removed from deal | XXXX | XXXX | Original Appraised Value | XXXX | XXXX | Two appraisals dated same day, same appraiser one XXXX and other XXXX, used lower value | XXXX |
| 900000863 | XXXX | XXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) | per appraisal | XXXX |
| 900000872 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000872 | XXXX | XXXX | Original Appraised Value | XXXX | XXXX | per appraisal in file | XXXX |
| 900000874 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per appraisal and title property type is Detached PUD. | XXXX |
| 900000879 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | Formattng | XXXX |
| 900000879 | XXXX | XXXX | Ever in Foreclosure | No | Yes | (No Data) | XXXX |
| 900000884 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | (No Data) | XXXX |
| 900000886 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | per 1003 | XXXX |
| 900000886 | XXXX | XXXX | Property Type | SFR | Detached PUD | per appraisal | XXXX |
| 900000887 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000900 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per PUD Rider | XXXX |
| 900000901 | XXXX | XXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) | Per Appraisal report | XXXX |
| 900000902 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | (No Data) | XXXX |
| Removed from deal | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000910 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000912 | XXXX | XXXX | Amortized Term | 240 | 360 | per note | XXXX |
| 900000912 | XXXX | XXXX | Debt to Income Ratio (Back) | 42.0000 | 37.1599 | Per calculation from Credit documents | XXXX |
| 900000912 | XXXX | XXXX | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only | formatting | XXXX |
| 900000913 | XXXX | (No Data) | Property Type | SFR | Detached PUD | Current value matches appraisal | XXXX |
| 900000924 | XXXX | XXXX | Borrower 1 Self Employed Flag | No | Yes | Per Income docs in file | XXXX |
| 900000924 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000924 | XXXX | XXXX | Original Appraised Value | XXXX | XXXX | Per Appraisal Report in file | XXXX |
| 900000924 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per appraisal property ytpe is Detached PUD. | XXXX |
| 900000929 | XXXX | XXXX | Combined LTV | 76.90 | 75.58 | Per loan amount/Appraised Value | XXXX |
| 900000929 | XXXX | XXXX | Most Recent Appraisal Value | XXXX | XXXX | (No Data) | XXXX |
| 900000929 | XXXX | XXXX | Original Appraised Value | XXXX | XXXX | AV XXXX; tape data XXXX source unknown | XXXX |
| 900000929 | XXXX | XXXX | Original LTV | 76.90 | 75.58 | Per loan amount/Appraised Value | XXXX |
| 900000929 | XXXX | XXXX | Origination Date | XXXX | XXXX | Per note | XXXX |
| 900000931 | XXXX | XXXX | Debt to Income Ratio (Back) | 43.3260 | 40.5848 | Taxes & HOI support Current Value | XXXX |
| 900000938 | XXXX | XXXX | Amortized Term | 240 | 360 | Current Value is per Note and CDs. Tape value is the principal & interest repayment term after the first 120 mos IO. | XXXX |
| 900000938 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | (No Data) | XXXX |
| 900000938 | XXXX | XXXX | Occupancy Type | Investor | Second Home | Formatting | XXXX |
| 900000965 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | (No Data) | XXXX |
| 900000968 | XXXX | XXXX | Borrower 1 First Time Home Buyer | Yes | No | As per CR in file | XXXX |
| 900000968 | XXXX | XXXX | Property Type | SFR | Detached PUD | Per Title and Appraisal | XXXX |
| 900000970 | XXXX | XXXX | Amortized Term | 240 | 360 | Current value correct per note.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | XXXX |
| 900000970 | XXXX | XXXX | Debt to Income Ratio (Back) | 49.0640 | 35.7404 | DTI 35.74 initial period ATR DTI 49.08 within tolerance of tape data | XXXX |
| 900000970 | XXXX | XXXX | Product Type | 30 Yr Fixed | Jumbo 30yr Fixed IO | Formatting. | XXXX |

---

©2022 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 99.6

**Exhibit 99.6 Schedule 6**

---

| | |
|:---|:---|
| **Client Name:** | **Rithm Capital Corp** |
| **Client Project Name:** | **NRMLT 2026-NQM1** |
| **Start - End Dates:** | **5/5/2022 - 9/16/2022** |
| **Deal Loan Count:** | **314** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *314* |
| ***Loans with Conditions:*** | *173* |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** | **Full Diligence Id** |
| 900000123 | XXXX | XX/XX/XXXX | Not Applicable C | A | A C | A | A | Not Applicable | XXXX |
| 900000124 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000128 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | No | XXXX |
| 900000131 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000133 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000135 | XXXX | XX/XX/XXXX | XX/XX/XXXX D B A | D | A D B | D | A | Not Applicable | XXXX |
| 900000136 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000140 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | B | B A | B | B | Not Applicable | XXXX |
| 900000142 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000146 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000147 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | A | A D | A | A | Not Applicable | XXXX |
| 900000154 | XXXX | XX/XX/XXXX | Not Applicable C | C | A C | C | A | No | XXXX |
| 900000157 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000160 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000163 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000166 | XXXX | XX/XX/XXXX | Not Applicable B | A | A B | A | A | Not Applicable | XXXX |
| 900000172 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000174 | XXXX | XX/XX/XXXX | XX/XX/XXXX D B A | A | A D B | A | A | Not Applicable | XXXX |
| 900000178 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000179 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000182 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | No | XXXX |
| 900000184 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | A | A D | A | A | Not Applicable | XXXX |
| 900000185 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000188 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000189 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000191 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000192 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | C | A C | C | A | Not Applicable | XXXX |
| 900000193 | XXXX | XX/XX/XXXX | Not Applicable D | N/A | N/A D | N/A | N/A | Not Applicable | XXXX |
| Removed from deal | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| Removed from deal | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000203 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000204 | XXXX | XX/XX/XXXX | Not Applicable D B | D | A D B | D | A | Yes | XXXX |
| 900000205 | XXXX | XX/XX/XXXX | Not Applicable D B | D | B D A | D | B | Yes | XXXX |
| 900000209 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | No | XXXX |
| 900000213 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | No | XXXX |
| 900000217 | XXXX | XX/XX/XXXX | Not Applicable B | B | B A | B | B | Not Applicable | XXXX |
| 900000218 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Not Applicable | XXXX |
| 900000220 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | C | A C | C | A | Not Applicable | XXXX |
| 900000222 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000223 | XXXX | XX/XX/XXXX | Not Applicable D | D | A D | D | A | Not Applicable | XXXX |
| 900000228 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000229 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000233 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000234 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Not Applicable | XXXX |
| 900000236 | XXXX | XX/XX/XXXX | Not Applicable D | D | A D | D | A | No | XXXX |
| 900000237 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000238 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000241 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000242 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | Not Applicable | XXXX |
| 900000244 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000246 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | No | XXXX |
| 900000248 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Yes | XXXX |
| 900000249 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | B | A D | B | A | Not Applicable | XXXX |
| 900000251 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Not Applicable | XXXX |
| 900000252 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000256 | XXXX | XX/XX/XXXX | Not Applicable C B | A | A C B | A | A | Yes | XXXX |
| 900000257 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | C | A C | C | A | Not Applicable | XXXX |
| 900000259 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000260 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Yes | XXXX |
| 900000261 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | No | XXXX |
| 900000263 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000266 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | Not Applicable | XXXX |
| 900000268 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | N/A | N/A | N/A | N/A | Not Applicable | XXXX |
| 900000274 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Not Applicable | XXXX |
| 900000277 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | A | A D | A | A | Not Applicable | XXXX |
| 900000281 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000283 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000289 | XXXX | XX/XX/XXXX | Not Applicable B | A | A B | A | A | Not Applicable | XXXX |
| 900000290 | XXXX | XX/XX/XXXX | Not Applicable D | D | A D | D | A | Not Applicable | XXXX |
| 900000294 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000297 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000302 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000306 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000308 | XXXX | XX/XX/XXXX | Not Applicable D | D | A D | D | A | Not Applicable | XXXX |
| 900000311 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | C | A C | C | A | Not Applicable | XXXX |
| 900000314 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | A | A D | A | A | Not Applicable | XXXX |
| 900000315 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | C | A C | C | A | Not Applicable | XXXX |
| 900000316 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | C | A C | C | A | Not Applicable | XXXX |
| 900000319 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000322 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000323 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000325 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | N/A | N/A | N/A | N/A | Not Applicable | XXXX |
| 900000326 | XXXX | XX/XX/XXXX | XX/XX/XXXX C B | C | B C | C | B | Not Applicable | XXXX |
| 900000332 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Not Applicable | XXXX |
| 900000335 | XXXX | XX/XX/XXXX | Not Applicable C B | C | B C A | C | B | Not Applicable | XXXX |
| 900000336 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000339 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000340 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | No | XXXX |
| 900000341 | XXXX | XX/XX/XXXX | XX/XX/XXXX D B A | A | A D B | A | A | Not Applicable | XXXX |
| 900000344 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| Removed from deal | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000348 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | Not Applicable | XXXX |
| 900000350 | XXXX | XX/XX/XXXX | XX/XX/XXXX C B A | C | B C A | C | B | No | XXXX |
| 900000352 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| Removed from deal | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000358 | XXXX | XX/XX/XXXX | Not Applicable C B | C | B C A | C | B | Not Applicable | XXXX |
| 900000359 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Not Applicable | XXXX |
| 900000360 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000361 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000367 | XXXX | XX/XX/XXXX | Not Applicable D | D | A D | D | A | Not Applicable | XXXX |
| 900000369 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | No | XXXX |
| 900000373 | XXXX | XX/XX/XXXX | Not Applicable C B | A | A C B | A | A | Not Applicable | XXXX |
| 900000375 | XXXX | XX/XX/XXXX | Not Applicable C | C | A C | C | A | Not Applicable | XXXX |
| 900000378 | XXXX | XX/XX/XXXX | Not Applicable D B | A | A D B | A | A | No | XXXX |
| 900000380 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000381 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000383 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000386 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| Removed from deal | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000389 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Not Applicable | XXXX |
| 900000390 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000396 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| Removed from deal | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | No | XXXX |
| 900000398 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000400 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | C | A D | C | A | Not Applicable | XXXX |
| 900000401 | XXXX | XX/XX/XXXX | XX/XX/XXXX D B A | D | A D B | D | A | Yes | XXXX |
| 900000402 | XXXX | XX/XX/XXXX | Not Applicable D B | D | A D B | D | A | Yes | XXXX |
| 900000408 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | No | XXXX |
| 900000409 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000412 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | A | A D | A | A | Not Applicable | XXXX |
| 900000418 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | C | A C | C | A | No | XXXX |
| 900000419 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | Not Applicable | XXXX |
| 900000420 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000423 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000426 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000432 | XXXX | XX/XX/XXXX | XX/XX/XXXX D B A | D | B D A | D | B | Not Applicable | XXXX |
| 900000437 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | No | XXXX |
| 900000440 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | N/A | N/A | N/A | N/A | Not Applicable | XXXX |
| 900000441 | XXXX | XX/XX/XXXX | Not Applicable D B | A | A D B | A | A | Yes | XXXX |
| 900000447 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000448 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Yes | XXXX |
| 900000453 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000457 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000459 | XXXX | XX/XX/XXXX | XX/XX/XXXX D B C A | D | A D B C | D | A | Yes | XXXX |
| 900000464 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000465 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000467 | XXXX | XX/XX/XXXX | XX/XX/XXXX D B A | D | A D B | D | A | Yes | XXXX |
| 900000468 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | C | A C | C | A | Not Applicable | XXXX |
| 900000474 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000478 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000479 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000485 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | No | XXXX |
| 900000489 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000495 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000498 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Yes | XXXX |
| 900000499 | XXXX | XX/XX/XXXX | Not Applicable D B | D | A D B | D | A | Not Applicable | XXXX |
| 900000501 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000502 | XXXX | XX/XX/XXXX | Not Applicable B | A | A B | A | A | Yes | XXXX |
| 900000503 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000504 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000507 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Not Applicable | XXXX |
| 900000510 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | B | B A | B | B | No | XXXX |
| 900000513 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000515 | XXXX | XX/XX/XXXX | Not Applicable B | A | A B | A | A | Yes | XXXX |
| 900000518 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000519 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000520 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | C | A C | C | A | No | XXXX |
| 900000522 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000527 | XXXX | XX/XX/XXXX | Not Applicable C B | C | A C B | C | A | Yes | XXXX |
| 900000533 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000535 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000541 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | No | XXXX |
| 900000544 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | No | XXXX |
| 900000548 | XXXX | XX/XX/XXXX | Not Applicable D B | A | A D B | A | A | Not Applicable | XXXX |
| 900000554 | XXXX | XX/XX/XXXX | Not Applicable C B | C | B C A | C | B | Not Applicable | XXXX |
| 900000555 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | No | XXXX |
| 900000556 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000558 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | A | A D | A | A | Not Applicable | XXXX |
| 900000559 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | C | A C | C | A | Not Applicable | XXXX |
| 900000560 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Not Applicable | XXXX |
| 900000563 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000564 | XXXX | XX/XX/XXXX | Not Applicable D C | D | A D C | D | A | Not Applicable | XXXX |
| 900000567 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000568 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000574 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000576 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000578 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | A | A D | A | A | Not Applicable | XXXX |
| 900000581 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000585 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000587 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Not Applicable | XXXX |
| 900000601 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Yes | XXXX |
| 900000605 | XXXX | XX/XX/XXXX | Not Applicable B | A | A B | A | A | Not Applicable | XXXX |
| 900000607 | XXXX | XX/XX/XXXX | Not Applicable D B | A | A D B | A | A | Yes | XXXX |
| 900000609 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | No | XXXX |
| 900000611 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | No | XXXX |
| 900000615 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Yes | XXXX |
| 900000618 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000620 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000621 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Not Applicable | XXXX |
| 900000623 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000629 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | No | XXXX |
| 900000634 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000637 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000638 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000643 | XXXX | XX/XX/XXXX | XX/XX/XXXX D B A | A | A D B | A | A | Yes | XXXX |
| Removed from deal | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000646 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000647 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000648 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | No | XXXX |
| 900000651 | XXXX | XX/XX/XXXX | Not Applicable C B | A | A C B | A | A | Not Applicable | XXXX |
| 900000653 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000660 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000662 | XXXX | XX/XX/XXXX | Not Applicable D | D | A D | D | A | No | XXXX |
| Removed from deal | XXXX | XX/XX/XXXX | XX/XX/XXXX D B C A | A | A D B C | A | A | Not Applicable | XXXX |
| 900000670 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000674 | XXXX | XX/XX/XXXX | Not Applicable C B | C | B C A | C | B | Not Applicable | XXXX |
| 900000675 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Yes | XXXX |
| 900000676 | XXXX | XX/XX/XXXX | Not Applicable D | A | A D | A | A | No | XXXX |
| 900000680 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | C | A C | C | A | Not Applicable | XXXX |
| 900000681 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000682 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000685 | XXXX | XX/XX/XXXX | Not Applicable B | A | A B | A | A | Yes | XXXX |
| 900000689 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000690 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000691 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000695 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000696 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000698 | XXXX | XX/XX/XXXX | Not Applicable D | D | A D | D | A | Not Applicable | XXXX |
| 900000700 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Not Applicable | XXXX |
| 900000701 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | Not Applicable | XXXX |
| 900000704 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Yes | XXXX |
| 900000707 | XXXX | XX/XX/XXXX | Not Applicable D B | A | A D B | A | A | Not Applicable | XXXX |
| 900000709 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000712 | XXXX | XX/XX/XXXX | Not Applicable D B | D | A D B | D | A | Not Applicable | XXXX |
| 900000713 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000715 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000718 | XXXX | XX/XX/XXXX | Not Applicable C | C | A C | C | A | Not Applicable | XXXX |
| 900000720 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000721 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000724 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000725 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | B | B A | B | B | Not Applicable | XXXX |
| 900000726 | XXXX | XX/XX/XXXX | XX/XX/XXXX D B C A | A | A D B C | A | A | Yes | XXXX |
| 900000733 | XXXX | XX/XX/XXXX | XX/XX/XXXX D B A | A | A D B | A | A | Yes | XXXX |
| 900000738 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000740 | XXXX | XX/XX/XXXX | XX/XX/XXXX C B A | C | A C B | C | A | Yes | XXXX |
| 900000741 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | B | B A | B | B | Not Applicable | XXXX |
| 900000743 | XXXX | XX/XX/XXXX | Not Applicable C | C | A C | C | A | Not Applicable | XXXX |
| 900000744 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Yes | XXXX |
| 900000745 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000746 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000747 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000752 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | No | XXXX |
| 900000753 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000756 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000758 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | B | B A | B | B | Not Applicable | XXXX |
| 900000760 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000762 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000763 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000767 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000769 | XXXX | XX/XX/XXXX | Not Applicable D | D | A D | D | A | Not Applicable | XXXX |
| 900000770 | XXXX | XX/XX/XXXX | XX/XX/XXXX C B A | C | A C B | C | A | Yes | XXXX |
| 900000772 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | No | XXXX |
| 900000785 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | A | A D | A | A | Not Applicable | XXXX |
| 900000787 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000788 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000792 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | No | XXXX |
| 900000793 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A C | D | A D C | D | A | Not Applicable | XXXX |
| 900000796 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | No | XXXX |
| 900000799 | XXXX | XX/XX/XXXX | Not Applicable C B | C | B C A | C | B | Not Applicable | XXXX |
| 900000805 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000808 | XXXX | XX/XX/XXXX | Not Applicable B | B | A B | B | A | Not Applicable | XXXX |
| 900000811 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | No | XXXX |
| 900000812 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | No | XXXX |
| 900000814 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000818 | XXXX | XX/XX/XXXX | Not Applicable C B | C | B C A | C | B | Not Applicable | XXXX |
| 900000824 | XXXX | XX/XX/XXXX | Not Applicable B | A | A B | A | A | Not Applicable | XXXX |
| 900000826 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000828 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Not Applicable | XXXX |
| 900000832 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000834 | XXXX | XX/XX/XXXX | Not Applicable D | A | A D | A | A | Not Applicable | XXXX |
| 900000835 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Yes | XXXX |
| 900000837 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000838 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000840 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000843 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000847 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | No | XXXX |
| 900000849 | XXXX | XX/XX/XXXX | Not Applicable D B C | A | A D B C | A | A | Not Applicable | XXXX |
| 900000855 | XXXX | XX/XX/XXXX | Not Applicable D | A | A D | A | A | Not Applicable | XXXX |
| 900000860 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| Removed from deal | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Yes | XXXX |
| 900000863 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000865 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000868 | XXXX | XX/XX/XXXX | Not Applicable B | A | A B | A | A | No | XXXX |
| 900000870 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000872 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000874 | XXXX | XX/XX/XXXX | Not Applicable B | B | A B | B | A | Yes | XXXX |
| 900000878 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000879 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | No | XXXX |
| 900000880 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000884 | XXXX | XX/XX/XXXX | Not Applicable B | A | A B | A | A | Not Applicable | XXXX |
| 900000886 | XXXX | XX/XX/XXXX | Not Applicable D | D | A D | D | A | Not Applicable | XXXX |
| 900000887 | XXXX | XX/XX/XXXX | Not Applicable D B C | D | A D B C | D | A | Not Applicable | XXXX |
| 900000893 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000894 | XXXX | XX/XX/XXXX | XX/XX/XXXX C B A | C | A C B | C | A | Yes | XXXX |
| 900000895 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | C | A C | C | A | Not Applicable | XXXX |
| 900000900 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000901 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000902 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| Removed from deal | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000910 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000912 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000913 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable | XXXX |
| 900000924 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 900000929 | XXXX | XX/XX/XXXX | Not Applicable D | A | A D | A | A | Not Applicable | XXXX |
| 900000931 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | No | XXXX |
| 900000938 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000940 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000943 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 900000944 | XXXX | XX/XX/XXXX | XX/XX/XXXX B A | A | A B | A | A | Yes | XXXX |
| 900000947 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 900000963 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | Not Applicable | XXXX |
| 900000965 | XXXX | XX/XX/XXXX | Not Applicable D B C | D | A D B C | D | A | Not Applicable | XXXX |
| 900000968 | XXXX | XX/XX/XXXX | Not Applicable D | D | A D | D | A | No | XXXX |
| 900000970 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |

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